10/16/2026
Infinite Banking is a financial concept that generally uses a properly designed participating whole life insurance policy to build cash value over time. As cash value grows, a policyowner may be able to access it through policy loans. That flexibility can be useful in certain situations, but it does not make a policy a literal bank—and it is not a fit for everyone. Policy design, funding, costs, loan terms, discipline, and your individual goals all matter. Like any financial strategy, it is important to understand how it works before deciding whether it belongs in your plan. Curious about the basics? Our team at Realegacy Partners is happy to help you learn more.