Julee Neathery · Founder & CEO
Sow Your Seeds for Life
Enjoy stress-free access, growth, compounding, control, saving, financing, protection, retirement income, estate planning and wealth transfer
Request a discovery callSpecially designed whole life insurance gives your money
growth, access and control, all in one place.
Your cash value grows every year by contract, not by market forecast. Steady, predictable and built to last.
No ups and downs with the stock market. When markets fall, your cash value doesn’t fall with them.
Borrow against your cash value for anything: a car, a business, an emergency. No loan applications, no credit checks.
Your money keeps growing, even while you use it. Your full cash value keeps working, loan or no loan.
Cash value grows tax-deferred, and policy loans are generally tax-free. More of your money stays yours.*Tax benefits apply to properly structured policies — who you decide to work with is paramount for this reason.
A tax-free death benefit passes to your family, so the wealth you build keeps working for the next generation.*Tax benefits apply to properly structured policies — who you decide to work with is paramount for this reason.
Repay policy loans on your own timeline. No fixed payments, no penalties, no one to answer to.
Policies with mutual companies can earn annual dividends. Many have paid them every year for over a century.*Dividends are technically not guaranteed, but the companies we do business with have paid a dividend for over a century.
Unlike a 401(k) or IRA, there are no IRS limits on what you can put in. Your policy design sets the boundaries.
A simple, time-tested rhythm for building wealth you control.
Fund a specially designed whole life policy. Every premium plants seeds that grow into cash value, steadily, year after year.
Use your cash value through policy loans to finance cars, businesses, real estate and life’s big moments, while your money keeps growing.
Enjoy the long-term rewards: supplemental retirement income, access to capital, and a lasting legacy for the generations after you.
“Before he left, he called together ten of his servants and divided among them ten pounds of silver, saying, ‘Invest this for me while I am gone.’”Luke 19:13 (NLT)
Julee Neathery was an early student of R. Nelson Nash, author of Becoming Your Own Banker. For 20 years she has practiced and taught the Infinite Banking Concept, helping families build wealth they control on the biblical principles of sowing, reaping and harvesting.
With R. Nelson Nash, creator of IBCI show people how to become their own banker using life insurance.Julee Neathery · Founder & CEO
Hear from people who have used this strategy for years.
“Since I started, I have used my policies to finance cars and businesses for myself and my family. And I am currently in the process of building generational wealth for my grandchildren!”
“At age 50 I have zero retirement accounts. After being introduced to the Infinite Banking Concept, I started my first of many policies to supplement my income at age 65! Thank you Julee.”
“One of the greatest benefits has been the flexibility. Over the years, I have been able to take out policy loans during difficult seasons, and when things improved, I repaid them with ease.”
“I have practiced this concept for 10 years. It has helped me very much. I would recommend the Infinite Banking Concept to everyone to ensure that their family is well protected.”
From your first conversation to a funded policy,
we walk with you the whole way.
Understand how becoming your own banker works, at your own pace.
We map out your goals and design a policy built around them.
We handle the application and underwriting, then activate your policy.
Lifetime support and regular reviews as your wealth grows.
Start learning on your own, at your own pace. No pressure, no obligation.
Answer a few quick questions and get a personalized results page that shows how you think about money, and where infinite banking fits for you.
Take the quiz →Dustin walks you through it step by step: what a properly designed policy looks like, and how real families use one.
Watch the webinar →Straight answers to what people ask us most.
Have another question? Ask Julee →It’s a long-established strategy built on dividend-paying whole life insurance from mutual insurance companies, popularized by R. Nelson Nash in Becoming Your Own Banker. It isn’t a get-rich-quick scheme. It’s a steady, long-term way to grow and control your money.
A standard policy is built mainly for the death benefit. An infinite banking policy is designed differently, usually with a paid-up additions rider, so more of each premium goes toward cash value you can use during your lifetime.
Yes. You can borrow against your cash value through policy loans for any reason, with no loan applications or credit checks. Cash value builds over time, so how much you can access grows each year. Unpaid loans and interest reduce the death benefit.
Your cash value isn’t invested in the stock market, so it doesn’t fall when markets do. The base cash value grows by contract every year, and dividends, while not guaranteed, are added on top.
There’s no one-size-fits-all number. Every policy is designed around your budget, age, health and goals. On your discovery call, we’ll walk through what makes sense for you.
We learn about your goals, answer your questions, and explain how the strategy could work for your family. If it’s a good fit, we’ll design a personalized policy illustration for you to review. No pressure, ever.
Yes. Many families own several policies, including on children and grandchildren, so the benefits and the knowledge pass down from one generation to the next.
Request a discovery call and see exactly how a properly designed policy could work for your family.
