A financial strategy popularized by Nelson Nash that uses a properly designed whole life insurance policy to create your own personal banking system.

The title of Nelson Nash’s foundational book, teaching how individuals can control the banking function in their lives through IBC.

A permanent life insurance policy that provides lifelong coverage and builds cash value over time.

The savings component within a whole life policy that grows tax-deferred and can be accessed through loans or withdrawals.

A loan taken against the cash value of your life insurance policy. You act as your own banker — borrowing and repaying yourself with interest.

A share of the insurance company’s profits distributed to policyholders of participating whole life policies. Dividends can be used to buy more coverage, pay premiums, or grow cash value.

Extra coverage purchased with dividends or additional payments that boost your cash value growth and death benefit.

An insurance company owned by its policyholders — not shareholders — meaning profits (dividends) are distributed to you.

The tax-free amount paid to beneficiaries upon the policyholder’s death. In IBC, it’s also seen as a legacy-building tool.

The payment you make to keep your policy active. In IBC, premiums are often reframed as “capital deposits” to your personal banking system.

The process of managing cash flow, borrowing, and repayment — traditionally done by banks, but in IBC, you reclaim it personally.

A key IBC principle that highlights how fast money circulates. The faster it moves through your system, the more value it creates.

The potential growth you lose when your money is tied up or spent instead of earning interest elsewhere. IBC helps minimize this loss.

The act of reclaiming interest that would otherwise go to traditional lenders by paying yourself back through your policy loans.

Your cash value grows without immediate taxation — a major advantage in compounding your wealth inside the policy.

A financial professional trained and certified to implement the Infinite Banking Concept properly for clients.

A title for professionals (like Tom) who guide individuals in creating Financial Certainty using proven cash flow and IBC strategies.

The financial legacy built through assets like life insurance that can be passed on to future generations tax-efficiently.

A personalized plan to manage income, expenses, and investments effectively — central to achieving financial independence through IBC.

A state of confidence in one’s financial life — knowing you have control over your money, debts, and future, often achieved through IBC principles.

The official organization founded to preserve and teach the Infinite Banking Concept as developed by R. Nelson Nash.

Choices you have for how dividends are used — e.g., cash payout, premium reduction, or buying paid-up additions.

How an IBC practitioner structures a whole life policy to optimize cash value growth, flexibility, and long-term benefits.

Your ability to access money when needed. Properly designed IBC policies provide high liquidity without interrupting growth.

A core philosophy of IBC — ensuring you have total control over your money, rather than surrendering it to banks or lenders.