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Protect Your Family Financially
GAME-CHANGING SOLUTIONS
Making sure your family can continue to pursue their life’s goals after loss of an income-provider is a moral obligation. We look at life insurance as that and more. Are you a family looking to build a solid financial foundation for a secure future? The Infinite Banking Concept® (IBC) is the key to accomplishing your goals, whether it’s ensuring that your children will receive an education, achieving homeownership, or planning for a comfortable retirement.
At Real Change Financial, we specialize in tailoring Infinite Banking solutions to meet the unique needs of families just like yours. Our approach is designed to empower you to rapidly grow your wealth while simultaneously providing essential protection for your family though whole life or term insurance as needed.
WHY CHOOSE INFINITE BANKING WITH US?
✓ Family Protection: Rest easy knowing that as you build your financial future, you're also safeguarding your family's well-being and future security.
✓ Educate Your Children: Secure their educational dreams without the burden of student loans or state-sponsored savings programs that pigeon-hole your money.
✓ Achieve Homeownership: Realize the dream of owning your own home faster than you thought possible, while diverting tens or even hundreds of thousands of dollars of your income from someone else’s bank to yours!
Join the countless families who have already experienced the benefits of Infinite Banking. Let us help you grow your financial warehouse while safeguarding your family's legacy. Contact us today to embark on your journey toward a brighter financial future!
“My husband and I have been genuinely impressed with the level of service we've received from Josh and Ken - they have been proactive in helping us structure and use our policy to meet the needs of our family, and highly responsive to every inquiry. Using IBC to build financial resilience for our household has been incredibly valuable to us.”
Katharine B. ~ Nevada, U.S.A.
Protect Your Family Financially
Frequently Asked Questions
COMMON QUESTIONS ABOUT THE INFINITE BANKING CONCEPT®
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Is this a good investment?Infinite Banking is using dividend paying cash value life insurance to build a source of capital. It’s legally not an investment. That being said – it is like building a banking business that when utilized properly for financing anything you’d finance with someone else’s bank (cars, credit cards, mortgage…) will lead to significant return on the premium dollars you pay into the policy.
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How soon can I take a loan?Depending on the life insurance company—as soon as your initial premium payment clears.
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Are mutual insurance companies better than stock companies?For the purpose of Infinite Banking, longevity and guarantees are important. We only deal with mutual insurance companies that have A-ratings and have paid dividends annually for over one hundred years.
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Can I use Indexed Universal Life for Infinite Banking?While Indexed Universal Life promises a higher average annual interest earning rate than Whole Life, the consistency of Whole Life is what makes it ideal for Infinite Banking. Ultimately, HOW you utilize your “bank” is more important than ANY rate of return. The interest Americans pay to other banks is the most important factor. In Nelson Nash’s words, “Stop doing business with banks.”
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What is a MEC limit?MEC is an acronym for Modified Endowment Contract, a tax status that the IRS places on life insurance policies that have “too much” cash value and not enough death benefit, ie, they’re functioning like an investment account and not traditional life insurance. While it warrants a deeper discussion and understanding, our professionals design Infinite Banking life insurance policies that avoid this IRS designation.
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If this is so great, why doesn’t everyone do it?In his book Becoming Your Own Banker, Nelson Nash references human attributes. If we distill what makes IBC successful, it’s patience and discipline. Because there is a lag time between paying your first policy premium and having access to every dollar you’ve paid into your policy (as cash value,) most people dismiss the concept and can’t see how in 5 or 10 years down the road, every dollar they put in is recovered—and growing with uninterrupted compound interest, tax deferred (with tax-free access) for life. IBC is not a quick fix or fast-money scheme.
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Is The Infinite Banking Concept® (IBC) guaranteed?There is a contractually-guaranteed cash value and death benefit built in to every life insurance policy. It is our opinion that the guarantee of a century-old financial institution surpasses even government guarantees… like Social Security or the FDIC.
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Why do I need life insurance?Life insurance to us is a sacred responsibility for any breadwinner of a family. It’s a commitment to loved ones that no matter what, they will be taken care of financially. Whether short term for acute expenses like raising small children or mortgage payments, etc, or long term for inheritance and supplemental income, life insurance has been the private solution to mitigating the risk of loss of income.
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Can you help me with a completely revamped budget or financial plan?We certainly can! We know the difficulty and how hard it can seem to take on more financial responsibility. We can help with budgeting and tracking your income, expenses, savings, and debt to align them with best practices completely in your best interests.
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Does my accountant need to report my life insurance on my taxes or otherwise?Life insurance is the quintessential “Libertarian” or “Austrian Economics” service. Private individuals contracting with each other with absolute minimal government interference, fulfilling a spontaneous need of the human experience.
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Can Infinite Banking and Whole Life Insurance tumble in a recession or market correction?No, history has proven that through literal war, famine, crashes, depressions, and recessions, our country’s mutually-owned, dividend-paying life insurance companies have consistently paid dividends to policy owners. They are the definition of conservative planning and their cash reserves are a foundation of our financial system.
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What do I do with my Thrift Savings Plan Fund?Your TSP like any plans should be reviewed to ensure it meets your needs and expectations going forward. What does your new job earn? How many dependents are you responsible for? What big moves or expenses are you saving for or incurring? The questions will determine the amount of planning going forward, including the future status of your TSP.
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Can the insurance company refuse my loan request?No, as long as you have cash value (a focus with Infinite Banking design,) you have the right to take a policy loan. The life insurance company is contractually obligated to give you access to your policy cash value. Compare that to seeking a loan in 2009, for example.
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Can I borrow beyond my policy cash value? (Will the life insurance company extend me credit)Unlike our Federal Reserve system, where banks can lend out more than the value of their deposits, with the Infinite Banking Concept® (IBC), you can only borrow what you’ve “put in.” It’s the Austrian Economic ideal.
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Are life insurance policy loans reported to the IRS or credit agencies?No, life insurance policy loans are NOT reported to the IRS or to credit agencies. We specifically help clients consolidate commercial debt through their policy loan features, instantly improving their income-to-debt ratio and credit score.
Our 3-Step Process Designed For You
Step 3:
APPLICATION, APPROVAL, FINAL ADJUSTMENT, ACTIVATION
We Seek Approval of Your Plan
with the best insurer for you, and revise any aspect of the plan until you are comfortable and empowered. We activate the plan and follow up at regular intervals to ensure your continued success.
Step 2:
BLUEPRINTS & FOUNDATIONS
We Develop a Personalized Plan of Action
including initial proposals for your Infinite Banking policy or policies. We will take the time to ensure you understand the built-in flexibility and features of any plan, and take care to account for future growth or life’s "what ifs".
Step 1:
CONNECT & EXPLORE
Introductory Conversation(s)
to ensure we hear your concerns, needs, and goals, staying true to the Infinite Banking System as taught by Nelson Nash.
We’re always ready to help you achieve your goals
Partnering with a financial professional is a great way to:
• Get answers to your questions – big or small.
• Find out exactly what you need.
• Come up with a strategy that evolves as your life does.
Our financial professionals are available to meet with you virtually from the comfort of your own home, helping you understand different options to meet your unique needs.
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