Stop Paying the Bank — Become Your Own Bank
Use the infinite banking concept with whole life insurance to finance major purchases, fund investments, and build generational wealth — all tax-free.
Why Family Banking Is One of the Smartest Financial Decisions You Can Make
Family Banking — powered by the Infinite Banking Concept — uses a specially designed whole life policy as a private banking system. Instead of borrowing from banks and paying their interest, you borrow from your own policy’s cash value and pay interest back to yourself, building wealth instead of giving it away.
Be Your Own Banker
Borrow from your policy’s cash value at any time, for any purpose — no credit checks, no bank approval, no restrictions.
Recapture Interest Paid
When you repay loans to your policy instead of a bank, the interest stays in your family — building your wealth, not the bank’s.
Tax-Free Access to Cash
Policy loans are not taxable income, allowing you to access hundreds of thousands in wealth without triggering a tax event.
Generational Wealth Transfer
Your policy’s death benefit passes to the next generation tax-free, creating a permanent family financial legacy.
15+
Top-Rated Carriers
Trusted by families across 6 continents
Getting Covered Is Easier Than You Think
Three simple steps to protect your family and your financial future.
Design Your Policy
We design a high-cash-value whole life policy that maximizes cash accumulation relative to premiums paid — optimized for banking, not just insurance.
Fund It Consistently
You fund the policy monthly or annually. The cash value grows tax-deferred and becomes your personal reserve fund within 2–3 years.
Borrow and Replenish
Need a car, investment, or major purchase? Borrow from your policy at a low rate. Repay yourself and the cash value grows back — making you wealthier with every transaction.
Trusted Carriers for Family Banking
Who Benefits Most From Family Banking
This solution is especially powerful for people in these situations.
Business owners funding operations
Real estate investors
Parents building generational wealth
People tired of paying bank interest
High-income earners avoiding taxes
Those wanting financial control
Not sure if this applies to you? Call us at (877) 327-6941 for a free 15-minute consultation.
Frequently Asked Questions About Family Banking
Your policy’s cash value grows at a guaranteed rate, is protected from creditors in most states, grows tax-deferred, and can be borrowed against without triggering tax. A savings account earns minimal interest and has no death benefit.
Technically, no — policy loans are optional to repay. However, unpaid loans reduce your death benefit and cash value, so most clients choose to repay them to maintain the policy’s full banking power.
Most policies have meaningful borrowing power within 2–4 years. The exact timeline depends on your premium level and policy design. We show you a full illustration before you commit.
This concept has been used by wealthy families and businesses for over 100 years. Nelson Nash popularized it in ‘Becoming Your Own Banker.’ It uses a standard whole life policy from a licensed, regulated insurance carrier — nothing exotic or risky.
Still have questions?
Our licensed agents are standing by to answer anything — no sales pressure, just honest answers.
Ready to Get Covered?Let’s Build Your Plan.
Request your free, no-obligation Family Bankingquote. A licensed RWG agent will reach out within 24 hours to walk you through your options.
100% free — no commitment required
Available in 6 languages
Response within 24 hours guaranteed
Licensed professionals, no pushy sales
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(877) 327-6941
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