025: What is the “Infinite Banking Concept” (and is this really legit)?

Infinite Banking Concept

REtipster provides real estate guidance — not tax or financial advice.

We aren’t tax professionals or investment advisors. This article should not be interpreted as financial advice. Before taking action, always seek the help of a licensed financial professional who understands your goals and aspirations.


Earlier this year, I started educating myself about something called the Infinite Banking Concept.

There’s a lot that goes into it (not the type of thing I can explain in one paragraph), but in essence, the idea is to rely less on banks and third-party lenders for meeting your financing needs and instead, build your own banking system inside of a whole life insurance policy, where you’ll able to lend the money to yourself, and then pay the money back (with interest) to your policy.

When you borrow money this way and actually pay it back (the same way if you were borrowing it from a conventional lender), you can ultimately keep all of the money you would've otherwise spent on interest by funneling it into your own banking system.

While it sounds like a fairly straightforward concept, there are a lot of considerations that go into it (because in my opinion, it doesn’t necessarily make sense for every person, depending on their financial situation).

In this interview, I talk with M.C. Laubscher – who is an expert in the Infinite Banking Concept. My goal with this conversation was to get more clarity on the pros and cons of this strategy and to figure out what I wasn’t being told by other “financial advisors” who were just trying to sell me a life insurance policy.

Disclaimer: I am not a financial advisor, so please, do not interpret this blog post or this podcast episode as financial advice. You should definitely talk with your own financial advisor to help you decide whether the Infinite Banking Concept is the right fit for your situation.

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About the author

Seth Williams is a land investor and residential income property owner, with hundreds of closed transactions and nearly a decade of experience in the commercial real estate banking industry. He is also the Founder of REtipster.com - a real estate investing blog that offers real world guidance for part-time real estate investors.

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