How IBC Works
Stop being the customer.
Become the bank.
The Infinite Banking Concept uses a specially designed whole life insurance policy to build cash value you can access, borrow against, and pass on to your family — all while your money continues to grow.
Kijan IBC Travay
Sispann se kliyan.
Tounen bank lan ou menm.
Konsèp Infinite Banking itilize yon polis asirans lavi antye espesyalman konçu pou bati valè lajan ou ka aksede, prete, epi pase bay fanmi ou — pandan lajan ou kontinye ap grandi.
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Tax-Deferred Growth
Kwasans Defere-Taks
Your cash value grows every year protected from taxes — quietly building wealth in the background.
Valè lajan ou grandi chak ane pwoteje kont taks — ap bati richès an silans.
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Borrow on Your Terms
Prete nan Kondisyon Ou
Access your cash value anytime — no bank approval, no credit check, no reason required. Pay it back on your schedule.
Aksede valè lajan ou nenpòt ki lè — san apwobasyon labank, san tcheke kredi. Rembouse nan orè pa ou.
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Guaranteed Death Benefit
Benefis Lanmò Garanti
When you pass, your family receives a guaranteed tax-free lump sum — a legacy that outlasts you.
Lè ou mouri, fanmi ou resevwa yon sòm garanti san taks — yon eritaj ki dire pi lontan pase ou.
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Dividend Participation
Patisipasyon Dividann
Participating whole life policies pay dividends — your policy can grow even faster than the base guaranteed rate.
Polis lavi antye patisipan peye dividann — polis ou ka grandi pi vit pase to garanti debaz la.
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Protected from Market Crashes
Pwoteje kont Kriz Mache
Unlike a 401(k) or IRA, your whole life policy cash value never goes down because of a stock market crash.
Kontrèman ak yon 401(k) oswa IRA, valè lajan polis lavi antye ou pa janm bese akòz yon kriz mache aksyon.
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Generational Wealth
Richès Jenerasyon
Pass the policy to your children or grandchildren — an IBC policy can serve multiple generations of your family.
Pase polis la bay pitit ou oswa pitit pitit ou — yon polis IBC ka sèvi plizyè jenerasyon fanmi ou.
