Jason Pond“It’s made me more profitable!”
Larry Bond“If I could go back to the students in my classes in financial management, I would tell them, ‘Get into whole life insurance at the earliest possible time.'”
Donald Kent Miller“[T]hese are hidden gems that would have made my life totally different and my retirement totally different also.”
But don’t take our word for it. Read what satisfied clients have to say:
“It has now been 6 years since I first met with you and decided to be my own banker. Because I don’t have a strong background in finances, I must admit I was nervous about being able to use the policy and make it as effective as you claimed it could be. The ease of use, liquidity, and growth you spoke of seemed impossible, but I talked with many of your references who trusted you and had experience with banking, so I jumped in with both feet, so to speak. After several years, my only complaint is exactly what you said it would be: I wish I would have done a larger policy. I have now financed new furniture, a vacation for my family, a new deck, and a down payment for an income property through my own banking system. While I was using the money for those things, my account continued to grow as if the money was still there. I have paid myself back and guess what? I am planning on using the money there now to start banks for each of my children. My oldest son will start college in two years and will be able to borrow money to cover tuition and pay it back when he works in the summer. When he is done, I plan to gift the money back to him as a graduation present to use as a down payment on a home (don’t tell him – it’s a surprise!) I will be in touch soon!
A few years ago I would never have guessed I could be in this position. Thanks you so much for teaching me along the way how to do all this. You have been so easy to work with and the learning the process has been easier than I expected because of your continued help. I am so glad I decided to go with you as my consultant.
My mother is also happy with the policy she started for retirement. We so appreciate your determination to set up a system that was good for her, even though I know it wasn’t as profitable for you.
Look forward to meeting with you again soon.”
T. Well – California
“When my uncle passed away several years ago, he was kind enough to leave me a sizable amount of money. I am a widow with a fixed income, and though my earnings are enough for my day to day needs, I was worried about emergency situations, extended medical care, etc. that might be difficult to pay for, so when this money was given to me, I hoped it would alleviate those concerns. I knew I could put the money in a bank and just hold it there, but I also knew it wouldn’t grow at all. I wanted to find a way not only to make it grow, but also to leave something of it to my children and grandchildren. I looked at several options in my search, and found a few which satisfied one or the other need, but not both simultaneously.
Then I was introduced to IBC by Jason Henderson. I was skeptical at first – the old adage “if it’s too good to be true…” kept ringing in my head. But it wasn’t a get rich quick thing – it would obviously take some understanding and patience to learn how to use the system; the more I found out though, the more sure I became that this was a way to do exactly what I had hoped to do with my uncle’s money. I could take a loan in case of an emergency, while at the same time having my money grow into a nice next egg for each one of my children.
In the end, I decided to set up a policy for each one of my children and their spouses – 6 total – and I maintain control of the accounts. I can use the money for anything I need, and then when I pass away, my children can also use the account. If the children learn the system, and are honest with the money, their children (my grandchildren) will ultimately benefit. They will receive a legacy from me long after I am gone.
Since starting the policies, I have, on occasion, allowed my children to take a loan to use as a down payment on a new home, or for medical expenses. They pay me back just as they would a normal bank. It has worked out well for all of us, and I am glad to be able to have those options. Jason has been helpful and patient with me in every stage of the process. He didn’t push or rush me, and was careful to make sure things were set up in the way that was best for me. Even years after setting up the policies, I still call with questions which he kindly and ably answers. It has turned out to be the ideal solution for my circumstances.”
Barbara Wells
Earlier this year I set up a life insurance policy with Craig Floyd’s help and started down the path of becoming my own banker. I was excited to find someone teaching principles that I have long felt to be sound but never found anyone teaching or presenting in a useful manner. Many of the things Craig taught were not new to me, but finding someone actually teaching them and showing how I could actually use these tactics was new to me. I had often felt that many financial planners and financial tactics did NOT have my personal best interest in mind. And certainly anything the government does is suspect. After reading the book Craig recommends I was really struck by several things in the book and wanted to pursue the ideas further. I had not even known about whole life insurance policies and the power they hold. That may sound stupid to some, but I had never been exposed to dividend paying whole life insurance polices, even though I earned a Bachelors Degree in the business program at USU. I will also say that I felt like some of the things just sounded way to good to be true. I was hesitant to commit to something so foreign to me though the foundations of the principals were concepts I fully understood and already knew to be sound.
So I took my time and researched things further before buying a policy. I did not want to rush into something that sounded too good to be true. Craig was very patient with me and let me take my time. I have now used the life insurance policy to make a loan to my business. The check from the life insurance company came promptly with no hassle. I repaid the loan (plus interest of course) and deposited the money back into the life insurance policy, again with no hassles. I am still unsure how the tax benefits will shake out, but so far I am very happy with the concepts and power that program gives me.
As I see it, becoming your own banker is just one more way to bring your financial future into your own control. It will take some time to build and grow, and the program will only be as useful as you are committed to it but I am very excited and glad to have the program at my disposal. I would encourage you to take a good hard look at what Craig is offering and teaching and not to simply dismiss it without serious consideration. I am very glad I took the time to read and study Craig’s program.
Paul WhitePresident, Cache Valley Counter Tops, Inc.
“Well finally I am getting this off to you. I just wanted to take a minute and thank you for helping Keva and I finally get a start on our future. We have a lot of hope for the future thanks to you.”
“As a small business owner I secured my first business line of credit from a bank. They required a business plan, tax records, a list of aged receivables, credit score, and personal financial statement. The bank secured my loan with my personal assets, and the company’s list of aged receivables. Over the years, I willingly paid off my balance, and willingly paid the interest the bank charged. That interest is based on prime and has varied from about 7 percent to 11.5 percent. I am not sure how I could have done it without a small local bank.
My partner and I have managed our business for more than 10 years. We have tried a lot of different methods of investing and borrowing. We even set up a simple IRA for us and our employees, however after the fees, losses, and all the hassles we dropped the plan after 3 years because we were losing money and we had no access to it or the money could not be used for anything personal or business related.
Jason Henderson introduced us to the infinite banking concept. The first year we did a small amount each and borrowed against our system to immediately pay off debt on our office building. (The loan approval process was done by a committee of one – ME!) We set up the terms of the loan and had our company automatically pay the principal and interest back to us. This has worked really well and since then we have done much larger systems.
The reason for me is simple. Nobody cares about my money as much as I do, and as a small business owner I need to have access to my money. I feel that I am a pretty good risk, and I am always willing to borrow myself money.”
“Just a note to thank you for not giving up on me. I wanted to make sure I looked at the Infinite Banking System from all angles. I only wish I had not been so sure of myself in 1968 when an
insurance agent tried to sell me a whole life policy as a vehicle for savings. Having disciplined myself to save regularly, having a masters degree in economics and just starting on a PhD, I was certain my plan to purchase term insurance and invest in mutual funds was the best way to go.
Although we did do very well with my plan, there were several things I did not foresee— Uncle Sam, a happy silent partner, getting his annual share of dividends and capital gains distributions every year, and just waiting for the windfall stream of taxes when we started pulling out our retirement. Then there were the several down turns in the economy in the past decade causing painful losses in everyone’s retirement accounts. These down turns came at the worst possible time for us, right at retirement time.
Had we taken the whole life insurance path, we would be much, much better off today. Although getting into this in our old age cost us more, I’m convinced more than ever that it was the right thing to do. I have not yet learned everything there is to know about being your own banker, such as how to optimize growth of our policies, but we are borrowing and paying back with higher interest to increase policy growth.
In short, I wish I would have known about IBC 43 years ago. Not only would my family have enjoyed the benefits much sooner, but during my professional career as an Economics Professor at Utah State, I could have given my students more valuable advice.”
“We are happy to share with you and anyone else that you would care to share this e-mail the positive experience we have had being our own banker. We started the program around June of this year and have since that time gained a much better control of our resources by stopping the drain of paying out interest to others and retaining literally thousands of dollars that otherwise would have been lost and using that money for personal loans that pay us interest.
Craig was and is straightforward, helpful and patient as he has helped us make the changes in our finances that allow us to put that money into our own banking system.
These changes did not come easily and not without much thought and consideration. Craig presented the program to us several times over some time before we caught the vision of what we could do to make our lives more financially secure through this program. We have really enjoyed our association with Craig and consider him a trusted friend.
Thank you for the opportunity to share our experience with you.”
“I would like to thank you for all the help you have given me in securing my financial future. I have become free from the fears I had when the financial crisis hit the banking industry. At the time, my company had a major line of credit with a national bank. The bank called in the loan even though we had never missed a payment and we were secure financially. That is about the same time we started working with you. Now, I borrow from myself and have almost no reliance on the banking industry. I also know that my money is growing and that I have a guaranteed rate of return.
Thanks for all you help.”
“Steve and I hope you know how grateful we are that you introduced us to IBC. We just finished financing our second car through our bank, and our children’s accounts you set up for us are steadily growing, so that money for their college is taken care of. We could not be happier with how things have worked out.
When we first learned about this concept, we were excited about the possibilities, but frankly, we had no idea how important it would be to our financial well being and peace of mind. Shortly after setting up our first account, the company that employed Steve as their head physical therapist, was purchased by another company. He was left, suddenly, in a very undesirable situation. Because of the flexibilty and security of our IBC account, we were able to step away from that job while he looked for other opportunites. We borrowed money as we needed to provide for our family while there was no income, and have since paid ourselves back. There were no late fees, no inquiries about our income, no difficulties in getting the money when we needed it. I know that’s how you said it would be, but having the experience firsthand was very gratifying.
Thanks again for showing us the way to accomplish our goals and also for being such a great support all along the way. I am still amazed at this, but we are learning more and more every time we talk with you.”
S. and Y. Swinson – Virginia
Jason I. Henderson, Ph.D.
[email protected]
(435) 764-1451
Craig Floyd
[email protected]
(435) 757-1257
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