If you want to understand how an Infinite Banking Policy for 2026 should function and be designed, you are in the right place. We have been practicing and designing infinite banking policies for the past nearly 20 years. A lot has changed with insurance products and designs over this time. Here is what you need to know:

• The relationship between premium, cash value and death benefit in a whole life insurance policy designed for infinite banking.
• Cash value in a well designed infinite banking policy will rise to exceed premiums paid guaranteed.
• After the initial startup phase, the cash value growth each year will outpase the premium paid by a significant amount.
• Not all policies are designed the same. Some Whole Life Insurance policies are very poorly designed, and will not grow or produce the cash value you want for infinite banking.