Infinite banking allows you to capture the opportunity cost of your money. Become your own banker and build generational wealth.
Start TodayInfinite banking is a concept that allows an individual to capture the opportunity cost of their money. By using dividend-paying whole life insurance as a financial tool, you become your own banker.
Recapture the interest you'd otherwise pay to banks and financial institutions. Redirect that wealth back to yourself and future generations.
A proven strategy backed by 100+ years of profitable institutions
Your money grows inside the policy while you borrow against it. You earn on both sides.
No bank approval. No application process. You decide when and how to use your capital.
The policy passes to your beneficiaries tax-free. Wealth that transfers to the next generation without a tax event.
Borrow against your cash value anytime. No fees, no penalties, no waiting period.
Your assets remain private and protected from creditors.
Backed by mutual insurance companies that have paid dividends for over 100 consecutive years.
"Kyle and his whole team at Factum have been nothing short of spectacular. Their education-first approach completely changed how I think about wealth building."
"My advisor Tarisa is very service oriented and knowledgeable. She took the time to walk me through everything until I fully understood the concept."
"Tarisa was excellent. She will change your life. I can't recommend Factum Financial enough for anyone looking to take control of their finances."
"Kyle and the entire team are just great at what they do. The customer experience is insane and the value they provide is worth everything."
Factum's IBC practitioners walk you through the whole thing. How it works, how to set it up, and how to use it for your specific situation.
Student loans. Home purchase. Business equipment. Investment capital. The policy becomes your personal bank, and you borrow from yourself instead of a lender.
Get Started Today
Our team will be in touch within 24 business hours.
A Factum Financial team member will reach out within 24 business hours.