ORIGINAL SOURCE. AUTHORIZED GUIDANCE.
Learn the Infinite Banking Concept® From Its Source
R. Nelson Nash developed the Infinite Banking Concept® and presented its foundational principles in his book, Becoming Your Own Banker®. The Nelson Nash Institute continues his educational mission and administers the IBC Practitioner’s Program.
The Infinite Banking Concept® and Becoming Your Own Banker® are registered trademarks of Infinite Banking Concepts, LLC. Abundant Life Products & Strategies is independently owned and operated. Authorized Practitioner status does not imply sponsorship or endorsement beyond that designation.
Start With the Foundational Book
Becoming Your Own Banker® challenges readers to reconsider how they approach saving, financing, access to capital, and the banking function in their lives.
Before considering a policy, begin by understanding the principles, responsibilities, and long-term thinking behind the process.
Continue With Authorized Guidance
Brandon Beaudoin is listed by the Nelson Nash Institute as an Authorized IBC Practitioner.
ALPS builds on that foundation through education, suitability analysis, thoughtful policy design, and ongoing support—helping clients understand both the opportunities and responsibilities before moving forward.
Already familiar with Nelson Nash’s work?
Infinite Banking Concept 101
Learn how a properly designed participating whole life policy may be used as a long-term capitalization and financing system—subject to policy terms, disciplined funding, and individual circumstances.
IBC is a financial process using participating whole life for guarantees and policy-loan access. The established mutual carriers ALPS works with report over 120 consecutive years of eligible policyowner dividends; some exceed 175 years. Policy loans accrue interest. IBC is a strategy, not a product. Dividends are not guaranteed and may vary.
UNDERSTAND THE BANKING FUNCTION
This strategy centers on how cash flows within your personal or business economy. Sustaining a policy requires consistent funding and long-term oversight. Success depends on your unique objectives, time horizons, and comfort with financial risk.
Why People Explore the Infinite Banking Concept
IBC may appeal to people who want to build long-term capital while maintaining access for opportunities, purchases, and financial needs. Its value depends on proper policy design, sufficient cash flow, insurability, patience, and responsible policy management.
CONTRACTUAL GROWTH
Cash value grows according to guarantees stated in the policy, assuming required premiums are paid and the policy is properly maintained.
FLEXIBLE USE
Policy loans may be used for business, real estate, vehicles, education, emergencies, major purchases, or other needs.
REPAYMENT FLEXIBILITY
Policy loans generally do not follow a traditional fixed repayment schedule, although interest accrues and responsible repayment remains important.
Responsible use begins with reviewing policy performance, loan balances, interest, and an updated in-force illustration at least annually.
The first step is not buying a policy. It is understanding the process well enough to decide whether it deserves further consideration.
ACCESSIBLE CAPITAL
Build a source of capital that may be accessed through policy loans for a wide range of needs.
LIFETIME PROTECTION
Properly maintained whole life insurance is designed to provide permanent death-benefit protection while supporting long-term financial and legacy planning.
FREE DECISION GUIDE
Before You Use Whole Life for IBC, Ask These 7 Questions
A practical guide to help you evaluate policy design, funding, access, guarantees, tradeoffs, and long-term responsibilities before treating a policy as a fit.
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Recognize whether an illustration matches your actual goals
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Ask better questions about funding, policy loans, guarantees, and tradeoffs
Separate responsible education from shortcuts and blanket claims
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Questions Before Using Whole Life for IBC
ALPS GUIDE
Who May Benefit From Greater Control and Flexibility
IBC may appeal to people with stable cash flow who want to build long-term capital while maintaining access for opportunities, purchases, and financial needs.
Business Owners
Families
Prepare for vehicles, education, emergencies, major purchases, and legacy goals.
Veterans and Military Families
Coordinate protection and capital needs through transitions and changing family responsibilities.
Compare policy access with available financing options, opportunity costs, and long-term goals before deciding how to use capital.
Real Estate Investors
Maintain access for acquisitions, renovations, reserves, and property expenses.
Education First. Implementation Second.
A policy should only be considered after the concept, commitments, risks, and alternatives are understood.
01
Learn
understand whole life insurance, policy design, policy loans, guarantees, dividends, and policy-owner responsibilities.
02
Evaluate
review goals, cash flow, insurability, existing coverage, alternatives, and the ability to fund a long-term policy.
03
Implement and Manage
if appropriate, design and manage a policy that supports the client’s objectives, with ongoing education and reviews.
Guidance From Someone Who Practices the Process
Brandon Beaudoin is an Authorized IBC Practitioner, independent life insurance professional, military veteran, business owner, and real estate investor who personally owns participating whole life policies.
ALPS leads with education and suitability before any application, helping individuals decide where the Infinite Banking approach may or may not fit their specific needs.
The core objective is to provide ongoing policy-owner education and service after implementation, ensuring the strategy remains understood and supported long-term.
Build an additional source of capital for equipment, opportunities, and operating needs.
Frequently Asked Questions
Is IBC a financial product?
No. The Infinite Banking Concept is a financial process. Properly designed dividend-paying whole life insurance is a common platform used to practice the process.
Do policy loans charge interest?
Yes. Policy loans accrue interest according to the insurer’s loan provisions.
Are dividends guaranteed?
No. Dividends are not guaranteed and may change from year to year.
Does borrowing stop policy growth?
A policy loan and policy cash value are separate contractual features. Policy performance depends on the policy terms, dividends, loan provisions, and how the policy is managed.
Is IBC appropriate for everyone?
No. It generally requires stable cash flow, insurability, patience, and the ability to maintain a long-term policy.