As Infinite Banking gains popularity in the financial world it is important to understand the basics of Infinite banking.  For many newcomers to the concept it can be difficult to conceptualize and understand what Infinite Banking is exactly.  When you are trying to understand if Infinite Banking is right for you, make sure that you understand the basics:

1. Look for Participating Whole Life Insurance

Right now you might be asking – Isn’t all Whole Life Insurance the same? And the answer to that question is – No.

There are two different types of Whole Life Insurance:  Participating and Non-Participating.  The main difference between the two is that participating whole life insurance policies allow you to participate or receive dividends based on profits of the insurance company, and with non-participating policies you do not participate or receive dividends from the insurance company.

2. Paid-Up Additions Rider (PUAR)

Understanding the importance of  the Paid-Up Additions Rider….  A Paid-Up Additions Rider allows you to pay additional money into your policy (limits do apply) to purchase paid-up life insurance in addition to the current policy.  The important feature of this rider is that not only does it increase the death benefit of the policy, but it allows you to dramatically increase the cash value of your policy.

3. Living Benefits: Liquidity, Safety, Rate of Return, Tax Benefits

What makes Infinite Banking possible and appealing is the utilization of a Participating Whole Life Policy (which pays dividends) in conjunction with a Paid-Up Additions Rider (PUAR) along with some of the other living benefits that exist within life insurance.  Some of the other living benefits include: Liquidity, Safety, Rate of Return and Tax Benefits.

4. Understand How You Benefit from Utilizing Infinite Banking

This is probably the most important part the Infinite Banking Concept. Infinite Banking is not a rapid money making scheme. Infinite Banking in its truest form is control of your money and eliminating unnecessary money leaks from your own personally economy, so that you can control and utilize your money to grow and increase your assets. It is important to note that Infinite Banking takes discipline and the willingness to take an active and earnest approach to your finances.

Infinite Banking

5. Paradigm Life

We specialize in providing our clients with the proper tools and education so as to take advantage of the benefits of Infinite Banking, in addition to structuring their polices correctly and personalized to their specific situation. We take an active roll in continuing to educate and provide guidance to our clients on Infinite Banking.

To learn more about Infinite Banking download our free report that provides more detail on the living benefits found withing Infinite Banking, or you can contact us at 1-800-870-8670 or by e-mail at