The **Infinite Banking Concept®** (IBC) is a financial strategy that allows individuals to take control of their finances by using a specially designed whole life insurance policy as a personal banking system. Rather than relying on traditional banks for loans and financing, IBC is about building a self-sustaining financial system where you recapture the interest that you are paying to banks and finance companies for the major items that we need during our lifetime. The system uses loans **from a mutual insurance company using the insurance policy collateral, repaying the policy loan on your terms, while the cash surrender value in your policy compounds uninterrupted, growing your wealth over time**.
I want to be clear that this concept can be used for short term problems but whole life insurance is a lifetime solution for access .

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Justin Bauer

Stephen Kosanda

Take back the banking function in your life!!

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