Whole life banking is a cash flow process using a uniquely designed whole life insurance policy’s cash value (its tax-free savings component) as collateral for loans, enabling you to mimic the way banks manage their cash flow and thus control the banking function. The banking function is the movement of money through saving, lending, repayment, and reinvesting to facilitate financial growth and stability.

Banks have historically controlled this function for the entire economy as financial intermediaries, paying less interest on depositors’ savings coming in than they charge borrowers on money lent out, profiting from the difference. Whole life banking is not about whole life insurance. It is about controlling the banking function by using a whole life insurance policy to implement the cash flow process of banking to your own profitable advantage. Whole life insurance is a product. Banking is a cash flow process.

Banking isn’t just for banks. Just like gravity governs motion, there are universal laws or, principles, of economics that govern the flow of money. When you use a whole life policy to control the function of banking, you’re not doing something “new”—you’re using timeless economic principles in your favor. You may not see them, but they’re always at work. And when you prudently use a properly designed whole life insurance policy, you are literally controlling the banking function by using these principles in your favor. Click the comparison chart below to see how these principles affect you if conventional banks control them and how they affect you if you control them.