What is the Infinite Banking Concept?
The Infinite Banking Concept (IBC) is a process that allows you to take control of your finances using a specially designed, dividend-paying whole life insurance policy with a mutual insurance company. It’s a way to grow and protect your wealth outside the stock market, giving you unparalleled control and freedom.
What is the Infinite Banking Concept?
The Infinite Banking Concept (IBC) is a process that allows you to take control of your finances using a specially designed, dividend-paying whole life insurance policy — issued by a mutual insurance company.
Furthermore, it’s a way to grow and protect your wealth outside the stock market, giving you unparalleled control and freedom.
FINANCING YOUR FREEDOM
Benefits of Infinite Banking
Infinite Banking puts you in the driver’s seat, giving you complete control over your money while letting it grow uninterrupted. By using a properly designed, dividend-paying whole life insurance policy, you build wealth that you can access anytime — without depending on banks or being subjected to the risks and limitations of traditional financial systems.
FINANCING YOUR FREEDOM
Benefits of Infinite Banking
Infinite Banking puts you in the driver’s seat, giving you complete control over your money while letting it grow uninterrupted. By using a properly designed, dividend-paying whole life insurance policy, you build wealth that you can access anytime — without depending on banks or being subjected to the risks and limitations of traditional financial systems.
FINANCING YOUR FREEDOM
Benefits of Infinite Banking
Infinite Banking puts you in the driver’s seat, giving you complete control over your money while letting it grow uninterrupted. By using a properly designed, dividend-paying whole life insurance policy, you build wealth that you can access anytime — without depending on banks or being subjected to the risks and limitations of traditional financial systems.
FINANCING YOUR FREEDOM
Benefits of Infinite Banking
Infinite Banking puts you in the driver’s seat, giving you complete control over your money while letting it grow uninterrupted.
COMPARING THE
Infinite Banking Concept & Traditional Finance
Most financial systems limit your access, charge you for using your own money, and expose you to risk. Infinite Banking flips the model. It gives you uninterrupted growth, unmatched control, and guaranteed access to funds — all through a properly structured whole life insurance policy. Instead of building wealth for the bank, you build it for yourself — securely, predictably, and on your terms.
| Infinite Banking (IBC) | Traditional Finance | |
|---|---|---|
| Control Over Money | Full control — you decide when and how to access your funds | Limited control — access restricted by banks, lenders, or policies |
| Growth of Funds | Continues to grow even when you borrow | No growth when funds are used or invested elsewhere |
| Access to Loans | No approval required, borrow against your policy’s cash value anytime | Approval required, often with credit checks and paperwork |
| Repayment Flexibility | Flexible loan repayment on your terms | Fixed repayment schedules with penalties for missed payments |
| Tax Benefits | Tax-deferred growth, loans are not taxed | Limited tax benefits, and loan interest may be taxable |
| Market Risk | No exposure to stock market risks | Exposed to stock market volatility and economic downturns |
| Building Wealth | Wealth grows through uninterrupted compounding | Wealth can be interrupted or reduced by market losses or fees |
| Fees and Interest | Interest paid goes back into your policy, benefiting you | Interest and fees go to the bank or financial institution |
| Legacy Planning | Creates a tax-free death benefit for your heirs | May require separate estate planning or involve taxes for heirs |
| Availability of Funds | Always available, even during financial downturns | Access may be restricted in emergencies or financial crises |
COMPARING
Infinite Banking &
Traditional Finance
Discover the true cost of “building wealth” with traditional finance vehicles & see just how brilliant IBC is in comparison.
Control Over Money: Full control — you decide when and how to access your funds
Growth of Funds: Continues to grow even when you borrow
Access to Loans: No approval required, borrow against your policy’s cash value anytime
Repayment Flexibility: Flexible loan repayment on your terms
Tax Benefits: Tax-deferred growth, loans are not taxed
Market Risk: No exposure to stock market risks
Building Wealth: Wealth grows through uninterrupted compounding
Fees and Interest: Interest paid goes back into your policy, benefiting you
Legacy Planning: Creates a tax-free death benefit for your heirs
Availability of Funds: Always available, even during financial downturns
Control Over Money: Limited control — access restricted by banks, lenders, or policies
Growth of Funds: No growth when funds are used or invested elsewhere
Access to Loans: Approval required, often with credit checks and paperwork
Repayment Flexibility: Fixed repayment schedules with penalties for missed payments
Tax Benefits: Limited tax benefits, and loan interest may be taxable
Market Risk: Exposed to stock market volatility and economic downturns
Building Wealth: Wealth can be interrupted or reduced by market losses or fees
Fees and Interest: Interest and fees go to the bank or financial institution
Legacy Planning: May require separate estate planning or involve taxes for heirs
Availability of Funds: Access may be restricted in emergencies or financial crises
COMPARING THE
Infinite Banking Concept & Traditional Finance
Most financial systems limit your access, charge you for using your own money, and expose you to risk. Infinite Banking flips the model. It gives you uninterrupted growth, unmatched control, and guaranteed access to funds — all through a properly structured whole life insurance policy. Instead of building wealth for the bank, you build it for yourself — securely, predictably, and on your terms.
| Infinite Banking (IBC) | Traditional Finance | |
|---|---|---|
| Control Over Money | Full control — you decide when and how to access your funds | Limited control — access restricted by banks, lenders, or policies |
| Growth of Funds | Continues to grow even when you borrow | No growth when funds are used or invested elsewhere |
| Access to Loans | No approval required, borrow against your policy’s cash value anytime | Approval required, often with credit checks and paperwork |
| Repayment Flexibility | Flexible loan repayment on your terms | Fixed repayment schedules with penalties for missed payments |
| Tax Benefits | Tax-deferred growth, loans are not taxed | Limited tax benefits, and loan interest may be taxable |
| Market Risk | No exposure to stock market risks | Exposed to stock market volatility and economic downturns |
| Building Wealth | Wealth grows through uninterrupted compounding | Wealth can be interrupted or reduced by market losses or fees |
| Fees and Interest | Interest paid goes back into your policy, benefiting you | Interest and fees go to the bank or financial institution |
| Legacy Planning | Creates a tax-free death benefit for your heirs | May require separate estate planning or involve taxes for heirs |
| Availability of Funds | Always available, even during financial downturns | Access may be restricted in emergencies or financial crises |
THE DRIVING FORCE
Our Mission & Core Values
The mission at Financing Your Freedom is to educate, mentor, and help our fellow Americans establish true financial freedom and legacy planning through life insurance.
Integrity | Honesty | Trust | Transparency | Committed | Passionate
| Continuous Education | Accessibility | Customer Service
THE DRIVING FORCE
Our Mission & Core Values
The mission at Financing Your Freedom is to educate, mentor, and help our fellow Americans establish true financial freedom and legacy planning through life insurance.
Integrity | Honesty | Trust | Transparency | Committed | Passionate | Continuous Education | Accessibility | Customer Service
THE DRIVING FORCE
Our Mission & Core Values
The mission at Financing Your Freedom is to educate, mentor, and help our fellow Americans establish true financial freedom and legacy planning through life insurance.
Integrity | Honesty | Trust | Transparency | Committed | Passionate | Continuous Education | Accessibility | Customer Service
Founder, Perry Comeaux
AUTHORIZED IBC PRACTITIONER
ABOUT US
Financing Your Freedom
Over his 20-year military career, Perry served in several combat units and rose to join the top 10% of Marines selected to serve at U.S. embassies worldwide while earning numerous commendations for his service. Further, he is a licensed Life Insurance Agent and Authorized Infinite Banking Concept Practitioner.
ABOUT US
Financing Your Freedom
Over his 20-year military career, Perry served in several combat units and rose to join the top 10% of Marines selected to serve at U.S. embassies worldwide while earning numerous commendations for his service. Further, he is a licensed Life Insurance Agent and Authorized Infinite Banking Concept Practitioner.
Founder, Perry Comeaux
authorized IBC practitioner
ABOUT US
Financing Your Freedom
Over his 20-year military career, Perry served in several combat units and rose to join the top 10% of Marines selected to serve at U.S. embassies worldwide while earning numerous commendations for his service. Since retiring from the service, he has made considerable investments in his financial intelligence — including learning the truth about infinite banking, becoming a licensed life agent, and becoming an Authorized Infinite Banking Concept Practitioner.