Frequently Asked Questions
What exactly is the IBC System™?
Sistema IBC™ (Infinite Banking Concept®) is a financial strategy that uses a specially designed whole life insurance policy to create your own personal banking system. Instead of depending on traditional banks to store, lend, or grow your money, you take control — with access, protection, and guaranteed growth. This system offers tax-advantaged compounding, creditor-protected cash value (in many states), and living benefits such as chronic illness and disability riders. It’s not just about leaving a death benefit — it’s about using your money while you’re alive, with liquidity, flexibility, and the power to make your dollars work in multiple ways at once.
Is this Life Insurance or an investment?
It’s not an investment, and it’s not just any life insurance. It’s a specially structured whole life policy, designed to give you liquidity, growth, protection, and control — all in one place. Think of it as your financial foundation, not a volatile gamble.
Is this only for retirement planning, or can I use the money before then?
One of the biggest advantages of the Infinite Banking Concept® is that you don’t have to wait until retirement to benefit from it. Unlike traditional retirement accounts that penalize early withdrawals, a specially designed whole life policy gives you access to your money throughout your life — for business opportunities, emergencies, large purchases, or simply creating financial flexibility. It’s a tool you can use now and benefit from later — without interrupting its long-term growth.
Do I have to be rich to start?
No. This strategy is not just for the wealthy — it’s for people who want to think differently about money and take back control. All you need is steady cashflow, the right mindset, and a desire to build something real. We'll guide you step by step.
How much money do I need to start?
It depends on your goals and situation, but many people start with $300 to $1,000 per month. What matters most is starting the habit of paying yourself first. During your Clarity Session, we’ll design a plan that fits your life.
What if I need access to my money?
That’s one of the best parts. You can access your money through policy loans — with no penalties, no taxes, and no selling assets. And your money keeps growing even while you use it. It’s like having your cake and eating it too.
Is this safe and legit?
Yes. This system is built on whole life insurance policies issued by mutual companies that have paid dividends and honored contracts for over 140 years. It's supported by legal guarantees, tax advantages under IRS code §7702, and used by banks, corporations, and wealthy families for generations.
What exactly is the IBC System™?
Sistema IBC™ (Infinite Banking Concept®) is a financial strategy that uses a specially designed whole life insurance policy to create your own personal banking system. Instead of depending on traditional banks to store, lend, or grow your money, you take control — with access, protection, and guaranteed growth. This system offers tax-advantaged compounding, creditor-protected cash value (in many states), and living benefits such as chronic illness and disability riders. It’s not just about leaving a death benefit — it’s about using your money while you’re alive, with liquidity, flexibility, and the power to make your dollars work in multiple ways at once.
Is this Life Insurance or an investment?
It’s not an investment, and it’s not just any life insurance. It’s a specially structured whole life policy, designed to give you liquidity, growth, protection, and control — all in one place. Think of it as your financial foundation, not a volatile gamble.
Is this only for retirement planning, or can I use the money before then?
One of the biggest advantages of the Infinite Banking Concept® is that you don’t have to wait until retirement to benefit from it. Unlike traditional retirement accounts that penalize early withdrawals, a specially designed whole life policy gives you access to your money throughout your life — for business opportunities, emergencies, large purchases, or simply creating financial flexibility. It’s a tool you can use now and benefit from later — without interrupting its long-term growth.
Do I have to be rich to start?
No. This strategy is not just for the wealthy — it’s for people who want to think differently about money and take back control. All you need is steady cashflow, the right mindset, and a desire to build something real. We'll guide you step by step.
How much money do I need to start?
It depends on your goals and situation, but many people start with $300 to $1,000 per month. What matters most is starting the habit of paying yourself first. During your Clarity Session, we’ll design a plan that fits your life.
What if I need access to my money?
That’s one of the best parts. You can access your money through policy loans — with no penalties, no taxes, and no selling assets. And your money keeps growing even while you use it. It’s like having your cake and eating it too.
Is this safe and legit?
Yes. This system is built on whole life insurance policies issued by mutual companies that have paid dividends and honored contracts for over 140 years. It's supported by legal guarantees, tax advantages under IRS code §7702, and used by banks, corporations, and wealthy families for generations.
© 2025 Sistema IBC. All rights reserved.
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This Isn’t Just About Money. It’s About Shielding Your Future.
Take the Next Step. Make Time Your Ally.
You’ve worked too hard to just play defense. Protect what you’ve built and put a system in place: The Sistema IBC Method with Your Freedom Account™ works for you and propels you further.
© 2025 Sistema IBC.
All rights reserved.
Navigation
Contact
100% Virtual
Serving the 50 States