--- title: Infinite Banking FAQ description: Infinite Banking 101 and FAQ's look at pros and cons of becoming your own bank and using whole life insurance. How to do infinite banking method by Nash. --- [Skip to content](https://www.natesfinancial.com/infinite-banking-faq#main-content) Close - [Debt Management](https://www.natesfinancial.com/debt-reduction) - [Become Your Own Banker](https://www.natesfinancial.com/infinite-banking) - [Why Infinite Banking?](https://www.natesfinancial.com/infinite-banking-guarantees) - [Details about Infinite Banking](https://www.natesfinancial.com/infinite-banking-details) - [Steps to Get Started](https://www.natesfinancial.com/hubfs/Intro%20to%20Infinite%20Banking.pdf) - [FAQ](https://www.natesfinancial.com/infinite-banking-faq) - Other Services - [Retirement Solutions](https://www.natesfinancial.com/retirement) - [Businesses Services](https://www.natesfinancial.com/business-services) - [Comprehensive Estate Planning](https://www.natesfinancial.com/estateplanning) - [Healthcare](https://www.natesfinancial.com/healthcare) - [About](https://www.natesfinancial.com/about-us) SEARCH CONTACT PHONE HOTLINE: [321-288-7745](tel:321-288-7745) E-MAIL: [Brian@NatesFinancial.com](mailto:Brian@NatesFinancial.com) [Schedule Appointment](https://www.natesfinancial.com/contact-us-meet?hsLang=en) [![logo](https://www.natesfinancial.com/hs-fs/hubfs/Copy%20of%20%20NFG%20final%20logo%20(200%20%C3%97%20100%20px)-3.png?width=175&height=88&name=Copy%20of%20%20NFG%20final%20logo%20(200%20%C3%97%20100%20px)-3.png "logo")](https://www.natesfinancial.com?hsLang=en) [![Nates Financial Group](https://www.natesfinancial.com/hs-fs/hubfs/1-3.png?width=175&height=175&name=1-3.png)](https://www.natesfinancial.com?hsLang=en) - [Debt Management](https://www.natesfinancial.com/debt-reduction) - [Become Your Own Banker](https://www.natesfinancial.com/infinite-banking) - [Why Infinite Banking?](https://www.natesfinancial.com/infinite-banking-guarantees) - [Details about Infinite Banking](https://www.natesfinancial.com/infinite-banking-details) - [Steps to Get Started](https://www.natesfinancial.com/hubfs/Intro%20to%20Infinite%20Banking.pdf) - [FAQ](https://www.natesfinancial.com/infinite-banking-faq) - Other Services - [Retirement Solutions](https://www.natesfinancial.com/retirement) - [Businesses Services](https://www.natesfinancial.com/business-services) - [Comprehensive Estate Planning](https://www.natesfinancial.com/estateplanning) - [Healthcare](https://www.natesfinancial.com/healthcare) - [About](https://www.natesfinancial.com/about-us) PHONE HOTLINE: [321-288-7745](tel:321-288-7745) E-MAIL: [Brian@NatesFinancial.com](mailto:Brian@NatesFinancial.com) [Schedule Appointment](https://www.natesfinancial.com/contact-us-meet?hsLang=en) # FAQs ## What is Infinite Banking? This financial management strategy uses a unique and flexible vehicle—dividend-paying whole life insurance—to accomplish many different financial goals throughout a person’s lifetime. How do I get started? What are the steps? Here is a simple infographic to demonstrate the journey of Infinite Banking. [Download Here](https://www.natesfinancial.com/hubfs/Intro%20to%20Infinite%20Banking.pdf?hsLang=en)   This sounds too good to be true. Is this a get-rich-quick strategy? Not at all. Anyone interested in building true long-term wealth understands that nothing comes for free. You will always have to invest money and time to achieve it. There's nothing quick or easy about Infinite Banking. It takes both time and discipline, but by applying those two things to a Infinite Banking plan, you can reap the benefit many times over. Is this a "business opportunity" or multi-level marketing scam? No way. This isn't a pyramid scheme or any type of work you have to do—no recruiting. No fast-talking. Nothing to sell. You don't have to do anything other than discipline yourself to stick to the financial contribution plan we put together based on your goals. You keep talking about discipline. Is this going to be difficult? For some people, Infinite Banking is the easiest thing in the world. For others, it is such a major paradigm shift that mastering it takes some time and patience. It's certainly not a magic pill. In other places, I've seen Infinite Banking touted as a strategy most financial advisors and CPAs don't know about or don't understand. It's touted as a life-changer. "You'll never be the same again!" I get suspicious of that kind of salesmanship. We totally understand. Some Infinite Banking advisors get so excited about the product that their descriptions of it go a little over-the-top, making this proven strategy sound "too good to be true." We try not to do that. We believe strongly in the flexibility and power of dividend-paying whole life insurance, especially when it's designed properly by someone who understands it—but we know it's not for everyone. That's why we take a more low-key approach to it. If it works for you, then great! If not, we offer many other financial planning solutions.  With Infinite Banking, we'd rather under-promise and over-deliver results…not the other way around. How much risk is involved? Any investment comes with a certain amount of risk. Good financial planners will help you avoid risk whenever possible, particularly by diversifying your portfolio to minimize risk. While no investment or financial product is risk-free, we do believe that Infinite Banking gives you the opportunity to save money, save for retirement, and finance major purchases without taking quite as much risk in the markets. That's why we think it's so powerful. But you mentioned whole life insurance. Dave Ramsey and Suze Orman say whole life insurance are terrible places to invest your money. Shouldn't I trust them? There is a significant difference between the whole life insurance policies they are referring to and the properly structured dividend-paying whole life policies that are the backbone of Infinite Banking. Many financial advisors hear the phrase "whole life" and immediately tune out, but this is a completely different animal. Whole life plans that fit the tightly structured Infinite Banking design come with more guarantees than any other life insurance product and have stood the test of time. Not just for the last 15 years, or even the last 50 years—but more than 160 years! I don't have any money left over at the end of the month. How can I save enough to fund a Infinite Banking plan? The Nates Financial Group are experts at helping clients like you restructure your finances to free up seed money to fund an initial plan. We design these plans to meet as many of your short-term and long-term goals as possible…as quickly as possible! Sometimes we can make this happen without impacting your lifestyle at all.  [![Copy of NFG final logo (500 × 200 px)](https://www.natesfinancial.com/hs-fs/hubfs/Copy%20of%20%20NFG%20final%20logo%20(500%20%C3%97%20200%20px).png?width=500&height=200&name=Copy%20of%20%20NFG%20final%20logo%20(500%20%C3%97%20200%20px).png)](https://www.natesfinancial.com?hsLang=en) Delivering clients out of the burden of debt and into a lifetime of financial freedom and wealth.   - [About](https://www.natesfinancial.com/about-us) - [Contact Us](https://www.natesfinancial.com/contact-us-meet) Copyright 2025. All rights reserved. | All information on this website is provided as general education and is intended to be used for informational purposes only. It is not intended as a solicitation for you to buy or sell securities, buy or sell registered investment advisory products; buy or sell any type of insurance product; or buy or sell any type of non-licensed product. Nothing contained on this website shall be construed or interpreted by any party as a commitment or intent to purchase or sell any products or services; to initiate discussions; or to engage in any business relationship, contract, or future dealing with the other party. The strategies and information provided on this website might not be the best solution in all cases. Projections and information provided on this website regarding potential outcomes are hypothetical and are not intended to reflect actual results nor guarantee future results. Using alternative assumptions could produce significantly different results. No tax information contained in the analysis should be construed as any tax advice. 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