MAX ROI Infinite Banking
Zero Market Risk, No Penalties, Flexible Contribution Limits
- Protected from Lawsuits, Creditors, and Taxes
- 3–6%+ Tax-Free Growth (Guaranteed)
- Borrow Without Interrupting Growth
What banks restrict and retirement
accounts delay… this delivers.
Save, grow, and access your money whenever you want.
Guaranteed Growth + Dividends
Your money only moves in one direction - up. Earn 3–6%+ (plus potential dividends), no matter what the market does.
Tax-Free Growth and Access
Grows tax-free. Accessed tax-free. Passed to heirs tax-free.
Think: Roth IRA on steroids without the income limits.
Bulletproof Protection
- Safe from lawsuits & creditors
- Not tied to the stock market
- Backed by centuries-old mutual insurance companies
Use Money While It Grows
Don’t choose between saving or spending. With this strategy, your money grows with guaranteed interest even when you borrow against it.
Higher Contribution Caps
No age limits. No contribution caps. No forced withdrawals. It’s your money. Use it how and when you want.
Access To Cash, No Approval Needed
Need funds? Borrow in 3 to 7 business days. No credit check. No denials. No red tape.
“We’re paying about $2,300 a month in interest, but earning $3,300 a month from our policies, just by leveraging Infinite Banking the right way. That $1,000-a-month spread is pure profit, and that doesn’t even count the returns on the investments we’re using the cash for.”
Jay Jorgeson, Chiropractor Clinic Owner
Make Every Dollar Work for You...
- Use it as collateral with a bank
- Save up for major life purchases
- Build for retirement
- Use it for your business
- Invest to build your passive income
Multiply your impact by coordinating policies across your whole family
Build Your Family Fund Now
Start early. Grow together. Leave a legacy while making money now.
- Coordinated husband/wife/kids policies
- organize estate planning for tax free transfer
- Fund education, business ventures, and fund investments
- Create a private family banking system
How do we stack up?
Features
Money Ripples
Typical Whole Life
High-Yield Savings
529(B)
401(k)/IRA
Yield
3-6% APY (Tax-free)
3-6% APY (Tax-free)
4-5% APY (Taxable)
Varies, (not guaranteed)
Variable (Market risk)
Contribution Limits
Up to 25% of income
Up to 25% of income
None
~$18K/year Per Donor (gift tax limit)
$6,500-$23,000
Fees
Lowest fees possible
Higher fees/lower cash value
Depends
Depends on investment options
Yes
Access to Funds
Within 5 to 10 days of the loan request
2 years+ of policy funding
Instant withdrawal
Restricted (only for education expenses)
59½+
Use Money While Growing
Borrow against value (compounds interest)
Borrow against value, but slower growth
Must withdraw, no growth
No; funds locked for education use
Must withdraw, no growth
Asset Protection
Protected from lawsuits and creditors
Protected from lawsuits and creditors
Not protected
Limited
Protected
Tax Burden
Tax-free growth & access
Tax-free growth & access
Interest taxed annually
Tax-free Growth For Education, penalties + taxes otherwise
Taxed on withdrawal
Risk
Zero market risk
Zero market risk
FDIC limits
High Market Risk
Complete exposure
Government Control
Minimal control
Minimal control
FDIC rules & limits
Controlled rules + limits
IRS rules/changes & penalties
How do we stack up?
Don't save your questions.
Money is complicated enough, so we work hard to make infinite banking easier to understand. Here are answers to frequently asked questions:
Is the 3 to 6 percent APY just a promotional rate? Will it change later?
No. The guaranteed growth is contractually locked in for life. It is backed by the insurance company and protected by law. Many policies also pay annual dividends on top of that guaranteed rate, which can further increase your returns.
But here's the key. That growth only works in your favor if the policy is structured correctly. We use our Max ROI Infinite Banking to design your policy with the highest possible cash value and the lowest possible fees so you keep more of your money and grow it from day one.
Is my money safe?
Yes. Your money is held in mutual life insurance companies, which are some of the most financially stable institutions in the world. These companies are heavily regulated, hold high reserves, and do not use risky practices like fractional-reserve lending. Your cash value is contractually guaranteed and protected from market losses.
When does my money start growing, and when can I use it?
Your money begins growing immediately and compounds monthly. You can access it through a withdrawal or policy loan as soon as cash value is available. There are no age restrictions, no early withdrawal penalties, and no waiting until retirement.
And because we structure your policy with the lowest possible fees and commissions, you will have access to more usable cash value much sooner than with traditional designs.
How long does it take to access my funds?
Policy loans are typically processed within seven to ten business days. There are no credit checks, no income verification, and no loan approval required. Your cash value serves as the collateral, and you stay in control.
What are the fees? Are there hidden costs?
This is where we are different. Most agents keep the structure of your policy behind the curtain. We show you everything. On your first call, we walk you through your full policy illustration so you can see exactly how your policy works.
We build policies with the highest possible cash value and the lowest possible commissions. There are no annual account fees, no management fees, and no transaction fees. The only built-in cost is part of the premium (life insurance cost) structure, and even that is minimized through smart design.
Can I take all my money out if I want to?
Yes. You can surrender your policy at any time and receive the full cash surrender value. However, most clients choose to borrow against the policy instead so they can continue earning compound growth while still using the money when they need it.
That is how your money works in two places at once, earning guaranteed growth while staying liquid and available.
Ready to start your own MAX ROI savings account?
Stop making banks rich with your money.
Start building guaranteed wealth that you control completely.