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**.
IBC was developed by **R. Nelson Nash**, who outlined the strategy in his book "Becoming Your Own Banker." Nash, a financial expert and former forester, realized that by properly structuring dividend-paying whole life insurance policies, individuals could recapture the money typically lost to banks, creditors, and financial institutions.
Today, the **Nelson Nash Institute (NNI)** is the leading authority on the Infinite Banking Concept®. While many people and companies talk about IBC, it’s essential to learn from the **original source**—NNI and authorized IBC practitioners—who uphold Nash’s principles and ensure proper implementation.

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