The Family Bank: be your own banker.
Dividend-paying whole life insurance, structured as your family’s own private financing system.
A place to store cash — and borrow from yourself.
The “Family Bank” — often called the Infinite Banking Concept — uses a properly structured, dividend-paying whole life policy with high early cash value. You build guaranteed cash value you can borrow against for cars, opportunities, or emergencies, and repay yourself on your own terms, recapturing interest you’d otherwise hand to a bank.
Build it, borrow it, repay yourself.
Build guaranteed cash value
Whole life builds contractually guaranteed cash value that grows every year, and can be enhanced by dividends (which are not guaranteed).
Borrow against it
Access your cash value through policy loans without disrupting the policy’s ongoing growth — no loan application, on your schedule.
Recapture the interest
Repay the loan on your terms and keep the interest working inside your family’s system, instead of a bank’s.
Who it fits — and what to weigh.
Disciplined families who want a stable, liquid, multi-generational asset — and a place to warehouse cash they can put to work.
This is a long-term commitment that depends on consistent funding and discipline. Dividends are not guaranteed, and any outstanding loans reduce the death benefit and available cash value until repaid. Whole life premiums are higher than term for the same death benefit — the trade-off is guarantees, cash value, and permanence.
This page is educational and not a recommendation, offer, or a promise of any specific result. Product features vary by carrier and state and are subject to underwriting. See the full disclosures below.
Build a bank your family owns.
In a free session we’ll show how a properly structured policy actually works — the cash value, the loans, and the discipline it takes — so you can decide if it fits your family.
Free 30-minute personalized education.