Learn The Strategies the Rich uSe To Build Generational Weatlh

Learn how to take back control of your money with the "Infinite Banking" strategy.

Hey, I’m Dr. Rob!​

The first time I heard about Infinite Banking I was pretty sure it was illegal or some sort of scam.

After some research I was shocked it was legal. The state insurance website says it’s legal and even the IRS has laws on what you can and can’t do.

Why isn’t everyone doing this?

It’s lack of knowledge.

Researching Infinite banking?

Learn how this concept works

What we do

We help people

implement a financial strategy called Infinite banking

In essence you become your own bank.

How? By growing the liquid cash value inside a properly-designed dividend-paying whole life insurance policy which creates your own fund.

So, instead of using a bank for the major purchases in your life, you can take loans against your cash value for those purchases. Then you’re the one who recaptures the interest – treating your money the same way a bank does.

Is Infinite Banking legal...?

While many Americans may not have heard of infinite banking before, it is a legitimate way to borrow money without using traditional banking. It includes benefits such as tax advantages and guaranteed growth compared to a bank savings account, CD, or share certificate.

The Infinite Banking Concept in a Nutshell

You’re really just repositioning your liquid assets from an inefficient holding place (like a bank or mattress paying little to nothing) and shifting into a tax-sheltered environment which earns compound interest automatically. Allowing your money to work for you.

Safe and Predictable Yield

Allows your dollars to work double duty for you. Fantastic in a down market.

Shelter From Taxation

The IRS is going to give you some really neat tax advantages.
Less for Uncle Sam and you keep more!

Better Distribution Strategy

A properly set up Infinite Banking Concept insurance policy can help you optimize your other assets

Withdrawals Are Tax-Free

Dividends, loans and withdrawals are tax-free. Also the most efficient way to pass on wealth.

Access to Funds Now

Life insurance policies that allow you to access funds while you are alive.

No Credit Checks to Borrow

You may borrow for anything you’d like, with no explanations. Pay yourself back at your own pace.

The Infinite Banking Concept in a Nutshell

Ready to take control of your money? Most people have no clue where to start. But we’ll give you everything you need to get started – for free.

Ready to get started?

We can help you implement the Infinite banking strategy. When you take a look at all the benefits you can see it has many characteristics of a perfect investment such as: protection from market volatility, protection from creditors, tax benefits and no limit to yearly contribution. It’s easy to see why executives, banks, corporations, and wealthy individuals rely on the infinite banking system to help grow and protect their wealth.


Set up a call to get started.

Schedule a free call, we’ll walk you through all your options on setting up Infinite banking.

Ready to get started?

Schedule a free call.

We’ll walk you through the difference between your average whole life insurance policy and properly structured whole life insurance.

We’ll help you create a customized financial solution.

  • Proven to reduce risk

  • Increase growth

  • Minimize taxes

We believe in a better financial system.

Your financial goals are our goals, and our Wealth Strategists are by your side every step of the way.

Dr. Rob Scranton

Founder Financial IQ

Expert Advisor

We help real people do more with their money and reach their financial goals with confidence.

Generational Wealth

The death benefit is tax-free and generally not subject to estate taxes.

Financial Planning

Proven to reduce risk, increase growth, minimize taxes, and put you in the driver’s seat of your wealth—not Wall Street.

Not only is Infinite Banking the most efficient way of using your money in your lifetime, but it’s also the most efficient way to pass on wealth to family members, loved ones, or charities.

You CAN get there. You just need a step-by-step plan.

Frequently asked Questions

How Much Money Is Needed for Infinite Banking?

There is no set minimum monthly payment, but to truly follow this concept and see its fruit you would need to try and put around 10% of your income into your policy, or at least $300 a month

Is Infinite Banking Legitimate?

While many Americans may not have heard of infinite banking before, it is a legitimate way to borrow money without using traditional banking. The two biggest draws are its tax advantages and guaranteed growth compared to a bank savings account, CD, or share certificate.

Advantages of Infinite Banking?

The freedom to access your money at any time is the real power of Infinite Banking.

According to the Federal Reserve, 9.58% of Americans’ monthly disposable income currently goes toward debt repayment. Infinite banking focuses on redirecting that money back to yourself through privatized banking.

Here are the advantages of IBC:

# You may borrow for anything you’d like, with no explanations.

# There are no credit checks required to borrow.

# Dividends, loans and withdrawals are tax-free.

# The policy’s cash value continues to increase over the policy’s lifetime, even while you’re borrowing.

# You can contribute additional money toward your policy value.

# You can lend money from the cash value to family or loved ones.

# Interest rates are generally lower than for a traditional loan.

# You can pay yourself back at your own pace.

# You’re creating a financial source by funding your future loans while building an inheritance for your beneficiaries in the form of a policy death benefit.

Not only is Infinite Banking the most efficient way of using your money in your lifetime, but it’s also the most efficient way to pass on wealth to family members, loved ones, or charities.

Disadvantages of Infinite Banking?

Infinite banking requires a long-term strategy and plenty of discipline. The insurer won’t set regularly scheduled payments on your behalf but will expect the loan to be repaid. It’s up to you to be financially responsible when you’re your own banker.

How do I get started?

Start by watching Dr. Rob’s MASTERCLASS: Learn what Infinite Banking is and How It Works. Then schedule a free call to walk through all your options on setting up Infinite banking. 

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