The Philosophy Of Infinite Banking

Infinite banking is a concept that allows an individual to capture the opportunity cost of their money. The whole idea is to recapture the interest that one is paying to banks and finance companies for the major items that we need during a lifetime, such as automobiles, education, homes, investment opportunities, and business equipment. The only vehicle that should be used for Infinite Banking is dividend-paying whole life insurance. The Cash Value that is always increasing on a guaranteed basis can be used as collateral to take out low-interest policy loans to assume the position of banker in your life. As the Cash Value grows every year it will provide a passive income source for later years.

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What Is The Infinite Banking Concept?

Once you have decided how much of your income you would like to save into a dividend-paying whole life insurance policy, you are now on your first step to becoming your own banker. Depending on how much money you are saving into the policy will determine how quickly the cash will accumulate. Obviously the more you save the more you’ll have access to.

Here’s where the banking part comes into play. Let’s say your family or business needs to buy a new vehicle. You have a few different options. Option one is to finance the vehicle through a commercial bank or financial institution. The problem here is that now you have created an interest payment. Nobody likes to make interest payments. Because we hate making interest payments so much, we’ve been taught to use option two – save up our money and pay cash for the vehicle. That way we don’t pay anyone interest.

The Features of Infinite Banking

Cash Flow

By becoming your own banker, you will see your assets grow exponentially without having to work any harder or take any additional risk.

Control

It's your wealth.  You should be in command of the process by which you grow and save money for the future.

Legacy

A good man leaves an inheritance to his children's children. 

Liquidity

Quick access to your capital without fees or penalties.

Creditor Protected

With a dividend-paying whole life insurance policy, your wealth will be residing in an asset that is private and protected from creditors and predators.

Certainty

Be positive your wealth is growing guaranteed in a financial environment with over 100+ consecutive years of profitability. 

What Our Clients Say 

"My advisor Tarisa is very service oriented, knowledgeable and a good teacher, helping me to learn so many things I didn't know or understand before about how the banking systems typically work. I'm happy to be connected with her and Factum Financial."

Bruce C

"Tarisa was excellent. She was very patient and she had a lot of information so I could do my own research. She will change your life. I highly recommend her!!"

Tony R

"It's hard to express the appreciation that I have for Tarisa and the entire Factum Financial family.
It is rare that you find a company so dedicated to the success of their clients.
They are always willing to go above and beyond to keep you informed and on track with your financial
goals.
If only I had met them sooner.
Thank you Factum Financial!"

Yash S

"Amazing service and communication. Kyle and the entire team at Factum Financial are just great at what they do. Take it from me, you can trust them with your insurance goals and needs."

Stephen M

"Tarisa is the epitome of excellence and professionalism! She has a customer centric approach that allowed me to thoroughly understand the infinite banking concept. She truly is a wealth of knowledge and I learn something impactful during each of our meetings. As someone that worked in banking for over a decade, I can say…I wish that I knew about this sooner!! I’m looking forward to continuing the journey of wealth building and creating a vehicle for my family that can fund small & large purchases for generations to come. Thank you Tarisa & Factum Financial!"

Shyla B

"Tarissa S at Factum Financial is highly knowledgeable and resourceful. She is transparent and gives life-changing advice. I highly recommend her services to anyone interested in advancing their financial knowledge and building wealth for generations."

Hassan A

"The Factum Financial team has been such a blessing to me and my family. I had originally reached out only seeking to get a policy started, without knowing much about life insurance and got so much more 🙂

I knew Factum Financial was the right team, when Monty said, "Ellie- lets get you started with some knowledge first." This approach of making sure potential clients are educated first is not only selfless but honorable.

They have gone out of their way to plant seeds of knowledge and change lives. Thank you so much and I look forward to continuing this journey with your team on my side."

Ellie P

"Factum Financial is super dedicated to sound financial education and helping you win the money game! It’s awesome to see how much they care personally for you and your family! I love this team!"

Bret Y

"Factum Financial is a great source for knowledge. Their videos and book recommendations and emails are all designed to help me make the best and most informed financial decisions I can. Their customer service is ridiculously good. Professional and prompt and accurate and still so patient and personal that they feel like family."

Phil R

"I have known Tarisa for about 10 years and she is one of the smartest women I know. She’s always been financially savvy so when we spoke about potentially opening a policy I was all ears. I have to admit I was hesitant at first about this venture as a full time single mom thinking I wasn’t able to financially handle such a thing. Tarisa took the time to break down the benefits of opening a policy, she explained how it wasn’t just a depressing life insurance policy but a foundation of HOPE for the future. She taught me how this would create the foundation of a legacy for my daughter and I and the generations of our family yet to come. I grew up in a middle class household like most have and I wanted better for myself and Tarisa opened my eyes to a whole world of opportunity and I am excited to be able to do the things I want for MY life with the banking system while also knowing that when my time comes, my daughter will be set up with more assets than I could have ever imagined having while growing up. I am forever grateful for the knowledge Tarisa shared with me and the time she took to reassure me and patiently explain and debunk the “normal” way of handling finances."

Bianca B

"Monty has been fantastic. He is responsive and prompt. He helped my family create strategies to navigate student loans, paying off car loans, and planning to purchase a new home. We are grateful for his honesty and expertise. Looking forward to learning more about IBC."

Brianna Ry

"Monty has been fantastic. He is responsive and prompt. He helped my family create strategies to navigate student loans, paying off car loans, and planning to purchase a new home. We are grateful for his honesty and expertise. Looking forward to learning more about IBC."

Brianna Ry

"They know and love these principles. Even though they have a deep understanding of technical concepts they patiently educate and motivate me, at my beginner level, to exploit these concepts. They've changed and improved our retirement plans."

Phil R

"Factum Financial is run by the best group of people who really have a teacher's mindset. They are there to really help us all succeed in the money game! I couldn't ask for anything more!"

Shaun H

"Factum is always about treating their customers the best they can!! The customer experience is insane!! The value they provide is worth everything and more. Go check them out they can change your lives."

Jake and Joe S

"Tarisa and the entire Factum team are fantastic. I highly recommend this group for anyone interested in building their long term wealth."

Daniel B

"Before I was a practitioner of this concept, I was an eager client. Factum Financial teaches sound fundamental wealth principles for anyone open minded and interested in leveling up their financial strategy on an individual and family basis."

Tarisa

"A great company to work with. Wonderful people that love helping other people. The educational tools, personal care, and consistent help have directed my family to generational blessings."

Jim K

Are You Ready To Become Your Own Banker?

It is easy to see why individuals would want to utilize their whole life insurance policies as financial tools that drastically improve their flow of money. Infinite banking allows you to borrow against the Cash Value that builds up inside your Whole Life policy and use Other People’s Money to finance the things in your life so your money is always growing at a compounded rate. This is one of the fundamental principles of the money game. Never interrupt the compounding of your capital. 

Where Americans have been taught to save their money are some of the least effective places. Other than keeping your money liquid they serve very little real purpose other than helping someone else get very wealthy. By simply changing where you save you will be empowered by seeing your wealth grow each year. 

Ultimately, the process of becoming your own banker is about learning how money really works. Banks and Wall-street continually teach middle America that building wealth is complicated and takes 30 years to “win the money game”. Their plan for you is to accumulate money in a speculative environment (where you will most definitely lose money) and then when you’re 59 ½ you can use YOUR money… All the while they get wealthier every single year by using your money. 

Reach out to one of our Wealth strategists and see how they can help you implement this process for you, your family, and your business. 

"A part of all you earn is yours to keep."

 

The Richest Man in Babylon

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About Us

David Zapata

David was born and raised in Colombia, South America. After having the opportunity to immigrate to the United States in 2006, he obtained his bachelor’s degree in Mechanical Engineering from Purdue University and his master’s degree from University of Cincinnati. David has spent the last 10 years working in corporate America in the commercial and military aviation industries.
 

Kyle Fuller

Kyle Fuller started in life insurance in 2013, but was overcome by the power of Infinite Banking the following year and has been practicing IBC ever since.

Kyle was blessed with the heart of a teacher, which prompted him to share his knowledge of Infinite Banking with people who want to harness every dollar for its maximum potential and live with ultimate financial freedom.