IBC Banker’s Creed

  1. Think long range!
  2. Don’t be afraid to capitalize!
  3. Don’t steal the peas!
  4. Think in terms of multiple policies, or in a system of policies.
  5. Avoid doing anything that diminishes the growth of a policy.
  6. Don’t take a policy loan just because you can.
  7. Don’t do business with banks!


  1. The policy owner’s behavior is more critical than the behavior of the insurance company.
  2. If you can’t afford to pay back a conventional loan, then you probably can’t afford to take a policy loan.
  3. It’s not about interest rates, or rates of return!
  4. It’s about controlling the banking function.

Infinite Banking Concepts® 2012