Infinite Banking in Canada

We proudly serve clients across British Columbia, Alberta, and Ontario, offering personalized guidance and financial strategies tailored to each province’s unique needs and regulations.

Request a Quote

What Is Infinite Banking & Why It Matters

Infinite Banking is a powerful financial strategy that puts you in control of your money by using a specially designed whole life insurance policy. Instead of relying on traditional banks, you become your own source of financing, building wealth, earning tax-advantaged growth, and accessing funds on your terms. It’s a smart, long-term approach to managing cash flow, protecting your family, and creating lasting financial security.

Why Choose LifeInsuranceExpert.ca?

At LifeInsuranceExpert.ca, we specialize in helping Canadians understand and implement the Infinite Banking Concept the right way. With deep expertise in Canadian insurance products and regulations, we tailor each plan to your unique needs and goals. Whether you’re in British Columbia, Alberta, or Ontario, our mission is to make Infinite Banking simple, transparent, and effective so you can grow wealth with confidence and control.

Generational Wealth Using A Private Banking System

What can Infinite banking bring to your investment plan

A permanent participating life insurance policy to your financial plans can improve the rate of return and reduce the risk in the investment portfolio.

Diversification

Part of the premium for participating whole life insurance flows into the
company's participating account and is invested. You benefit from a
diversified mix of investments including a significant fixed-income portfolio
for stability; and a combination of non-fixed investments including equities
for long-term growth. You are eligible to participate in the earning of the
participating account through dividend payments.'

Guarantees

Once a dividend is paid, it is 100% vested and can never be taken away.
Plus, the cash value of the policy will never decrease, regardless of
market conditions.?

Rate of return

Dividends that accumulate within the policy grow on a tax-advantaged basis.

This offers the potential for a higher rate of return than non-registered savings
vehicles that are taxed annually..

Liquidity

Access to the cash value without the time restrictions of locked-in investments
or the market volatility of equities.

An instant legacy

Tax-free payment at death to your beneficiary(ies).

Frequently Asked Questions

Whether you're just starting to explore the concept or looking to deepen your understanding, you'll find clear, concise answers to help you make informed financial decisions with confidence.

What is Infinite Banking and how does it work in Canada?

Infinite Banking is a financial strategy that uses a properly structured whole life insurance policy to build wealth and access funds through policy loans. In Canada, it allows you to grow tax-advantaged cash value over time while maintaining life insurance protection.

Is Infinite Banking legal and recognized in Canada?

Yes, Infinite Banking is completely legal in Canada. It’s based on the use of participating whole life insurance policies offered by reputable Canadian insurance companies and follows Canadian tax and insurance regulations.

How is Infinite Banking different from a traditional savings or investment account?

Unlike traditional savings accounts or investments, Infinite Banking offers guaranteed growth, tax advantages, and access to your money through policy loans, without interrupting the compounding of your cash value. It also provides permanent life insurance coverage.

Who is Infinite Banking best suited for in Canada

Infinite Banking can benefit individuals, families, and business owners who want more control over their money, are financially disciplined, and have a long-term mindset. It’s especially valuable for those looking to create generational wealth or finance large expenses.

How can I access the funds in my Infinite Banking policy?

You can access the cash value in your policy through a policy loan or withdrawal. Policy loans allow you to borrow against your cash value while it continues to grow, offering a flexible and tax-efficient way to use your money for personal expenses, investments, or business opportunities without interrupting the long-term benefits of the policy.