At TikiWealth, we help Canadians understand how to apply this concept legally and effectively using a powerful tool: Whole Life Insurance.

1. What Is Infinite Banking?

Infinite Banking is a personal finance strategy that uses the cash value in a Whole Life Insurance policy as a private source of capital. When you pay premiums into your policy, a portion builds up as cash value. This allows you to:

• Borrow against your own money at any time — no credit checks, no bank approvals

• Access low interest rates, without affecting the growth of the policy

• Continue to earn compound interest on your full balance — even the borrowed portion

➡️ In short, you’re spending your money while still letting it grow.

2. Why Do the Wealthy Love This Strategy?

The wealthy understand one thing very clearly: controlling your cash flow is the key to building lasting wealth. Infinite Banking allows them to:

• Self-fund investments like real estate, stocks, or businesses

• Avoid the limitations of bank loans or fluctuating interest rates

• Enjoy tax advantages from life insurance

• Protect their assets from economic uncertainty or legal risks

• This isn’t just a way to store money — it’s a strategy to make your money work harder for you, with more flexibility and control.

3. How Does Infinite Banking Work in Canada?

In Canada, Infinite Banking is typically built using Participating Whole Life Insurance — a permanent life insurance product that builds cash value and pays dividends.

How it works:

• You purchase a Whole Life policy – ideally from a top-tier insurer with a strong dividend track record.

• You pay premiums regularly, and cash value grows steadily.

• You can borrow from the cash value at any time.

• You reinvest borrowed funds in other opportunities.

• Your full policy value keeps compounding — even the portion you borrowed.

🎯 The key benefit: You earn interest on the full value, even while using some of it — this is how the power of uninterrupted compounding works.

4. Top Benefits of Infinite Banking

✅ Financial freedom: No more bank approvals or credit barriers

✅ Compound growth: Your money grows even while you borrow

✅ Tax efficiency: Cash value inside a Whole Life policy is generally tax-sheltered

✅ Asset protection: Insurance assets may be protected from creditors

✅ Smart legacy planning: Transfer wealth tax-free to future generations

5. Who Is a Good Fit for Infinite Banking?

This strategy is not just for millionaires. It's ideal for anyone who wants:

• More control over their finances

• Long-term savings with tax benefits

• A safe way to grow wealth

• A personal credit line that doesn’t depend on banks

Perfect for:

• Business owners

• Real estate investors

• High-income professionals

• Anyone looking to grow and protect their wealth long-term

6. Why You Need a Professional to Set This Up Right

Not all Whole Life policies are structured equally. The power of Infinite Banking comes from proper design and ongoing support.

Key factors include:

• Correct policy structure (premium allocation, dividend options, borrowing limits)

• Choosing the right insurance company

• Having long-term guidance to maximize results

At TikiWealth, we offer:

• Personalized Infinite Banking setups

• Access to Canada’s top insurers

• Lifetime strategy support beyond year one

✅ Final Thoughts: Start Your Journey to Financial Freedom

If you want your money to work smarter, grow safely, and give you full control — Infinite Banking is a strategy worth exploring.

📞 Ready to take control of your cash flow?

Book a free consultation today at www.tikiwealth.com/contact

Let TikiWealth help you design a financial system where you are the bank.