The Infinite Banking Concept is a major paradigm shift for most.  The concept is very simple, just different from the way the majority think and behave. 

 

The key understanding is that you finance everything you buy, you either pay interest to someone else or you give up interest you could have otherwise earned (also known as opportunity cost). You may be asking yourself, How can I finance what I need to buy without paying someone else interest or giving up interest I could have earned? 

 

The answer is simple. You need to create a tool or a plan, that gives you control of your financing requirements and redirects the flow of money to you first.  The prime tool or plan is a participating whole life insurance policy. Because you, not the insurance company, own the policy, you ,as the owner, have the ability to borrow against the equity of your policy while your policy is growing and compounding uninterruptedly even if the market is crashing.