Now I’m the Banker

“Instead of signing for a dealership loan at 6.9%, I borrowed from my own policy and I’m paying it back monthly at my own pace, with interest. I literally financed my car with my own bank. I will never go back to ‘normal’ car loans. My car was bought from ME — Not the Bank.”

Alex P

Listen to Will’s New Book

“We both read Will’s new book Uninterrupted Compounding using IBC, and instead of paying money to a lender for my wife’s new car—where I’ll never see those dollars again—I’m paying those dollars back to me to use for our retirement! Why wouldn’t anyone do this?”

G&S

Keep it Circulating

“My policy, as all policies, has a pool of continuously growing capital. But I just don’t let it sit there earning dividends and interest…. I USE IT! For what ever I want… and it still continues to grow as though I never touched it. I wish I knew about this 20 years ago.”

Mike S

A Real Estate Investor

“I pulled policy cash for a down payment on a triplex. Rents now cover the repayments to my policy. So the building is buying itself AND rebuilding my liquidity inside the policy at the same time.”

CM

A Business Investor

“I used cash values to buy into a business partnership without begging bankers or draining RRSPs. The dividend from the business now repays the policy loan. I essentially created my own capital to collateralize against.”

Paul N

IBC to Supplement Retirement, Insured Retirement Plan (IRP)

“My cash value can be used as collateral for a line of credit for a third-party bank loan where the borrowed funds are received TAX-FREE and the outstanding loan is not repaid until death. And… my Cash Value, and Death Benefit, continues to grow uninterrupted inside the policy.”

Andrew

Permanent Insurance + Liquidity = Sleep

“I don’t have to hope term will still be there when I’m older or sick. This contract never expires, and the cash value has become a real second balance sheet. I sleep differently now.”

Rob B

Inflation Antidote Mindset Shift

“IBC forced me to stop consuming like a T4 employee and start thinking like a bank. I learned to recapture interest and put myself on the receiving side of it. The concept changed my habits more than any budget ever could.”

Alan L

Renos and Tuition

“We used our policy once for renovations, then again two years later used our daughter’s policy for her tuition. Each time we paid the loan back, the capital became re-usable. It turns out the best ‘line of credit’ is one the bank can’t freeze.– Thanks,”

Megan

Real-Life Crisis Buffer

“We had an emergency in year four of our policy. Instead of credit cards or selling investments at a loss, we did it online by borrowing against our cash value. You click on the tab “Request a Loan” and a screen pops up showing how much is available to borrow and how much we want, and which bank account it should be transferred to, then our e-signature. We always set up a repayment schedule on our own terms because I’m my own banker."

B&D

Legacy Math That Makes Sense

“As I age, the death benefit keeps growing—without me having to be insurable again. I’m spending confidently in retirement because I know my family still gets a guaranteed tax-free transfer when I’m gone.”

Naveed