Blog 111 – Creating Sustainable Wealth Without Risk

Pedro and Isis Portrait Pictures

Successful implementation of IBC requires patience, discipline and long-range planning as IBC is not a “get-rich-quick” scheme and it is not for the person who is always looking for instant gratification. By all means, spouse an abundance mindset and avoid a scarcity mindset.

Read “Becoming Your Own Banker” several times with an open mind as well as “The Case For IBC” and “Building Your Warehouse of Wealth”, authored or co-authored by Nelson Nash.

Pay yourself first. Annual premiums to your IBC policy should start, if financially possible, at 10% of your gross annual family income when you are young and steadily increase to 30% of your gross annual family income.

You can use policy loans to invest in opportunities that come your way, and they can be in investing and expanding your business or professional practice, real estate, private lending, private equity investments, franchises, or new businesses that generate sustainable cashflows. Use these cashflows to repay your policy loans and reuse these loans to obtain more businesses that generate increasing cashflows, and on and on. Be sure you have expertise and experience in the areas you are investing, otherwise don’t do them.

You become wealthy when your annual sustainable cashflows exceed your annual expenditures by a substantial margin. 

Some of you may prefer not to invest and only take policy loans to take care of emergencies, to assist in paying for your children’s college education, and to supplement your retirement income when you slow down. IBC provides you with peace of mind and a stress-free life.

If you would like to learn how you can grow a substantial amount of cash that you have access to at any time without penalties, is unrelated to the stock market, and will generate income that is not included in your tax return, visit our website at  or feel free to email us your questions at or call us toll-free at 1-844-443-8422.

Isis B. Palicio, LUTCF, MBA
Pedro A. Palicio, MBA, Ph.D.
Infinite Banking Concepts® Authorized Practitioners

We are experts in designing high cash value dividend-paying whole life policies.

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