PB BANKERS

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PROVIDING INFINITE FINANCIAL OPPORTUNITIES

Welcome to PB BANKERS. We specialize in Personal and Business Banking. The infinite banking concept Canada is a way of everyday life. We believe that endless financial opportunities and freedoms are available for you to enjoy, when you Become Your Own Banker.

BECOMING YOUR OWN BANKER

At PB Bankers, we strongly believe in the Infinite Banking Concept (IBC) of the Late Nelson Nash. We can assist you in every step of Becoming Your Own Banker. Now, what is the Infinite Banking Concept? Let’s dive deeper into this amazing concept.

What is the Infinite Banking Concept?

Infinite Banking Concept (IBC) is a personal and/or business, financing strategy. We teach you how to use your whole life insurance policy for infinite opportunities. This concept strictly opposes the traditional retail banking structure. Infinite banking is about recapturing the interest amount that you would have paid for any loan settlement. Let us share an example with you.

Imagine you borrowed some money from a bank through a car loan or credit card. Now, you have to pay the principal amount and the interest amount. So, you will start savings and, finally, pay cash to settle that loan. But you missed the opportunity to capture the missed interest amount from that savings. So, you are at a loss. Here comes the importance of the Infinite Banking Concept created by the great

Nelson Nash.

What are the Advantages of the Infinite Banking Concept (IBC)?

The Infinite Banking Concept allows you to control the unnecessary cash leakage from your hard earned savings. This will help you utilize that money, grow it and increase your assets. In fact, it is completely your responsibility to create your financial future. So, the Infinite Banking Concept can be an excellent tool for any individual to accomplish their financial goals. Now, let’s look at the advantages of the Infinite Banking Concept.

1. Liquidity
There is no doubt IBC in Canada is proven to be extremely beneficial to improving cash flow for any individual or business. There is no need to visit the traditional banks and other financial institutes to get a loan. Instead, you can request from your insurer, a policy loan with no questions asked. The loan is collateralized against your permanent life insurance policy. With IBC you can get your money quickly, usually within 2 weeks or less.
That is why a whole life insurance policy is always considered a valuable liquid asset, just like real estate, stocks, bonds, and other qualified plans. Whether you need to pay your medical expenses or renovate your home, you can easily utilize a policy loan to support those expenses.

2. Control
As discussed, the Infinite Banking Concept offers a great deal of control over the money you can get from a policy loan. In fact, a whole life insurance policy in good standing, comes with the high guarantee of being tax-free. IBC assures asset protection when you take a policy loan against your policy.

3. Complete Protection against Volatility
The Infinite Banking Concept always offers complete protection against volatility regardless of what happens in the market. Just think about a whole life insurance policy that always offers guaranteed returns in terms of death benefits or total cash value. The existence of guaranteed returns makes the Infinite Banking Concept work so well with a participating whole life insurance policy.

3. A Tax-Free Retirement
The Infinite Banking Concept provides the guarantee of a tax-free retirement. Many people fund their retirement with policy loans. And their insurance company deducts the outstanding loan amount from the death benefit after they pass away.

Now we hope that you have a clear idea about the advantages of the Infinite Banking Concept IBC. So it is now time to introduce the services we offer at PB BANKERS.

How Whole Life Insurance Works in IBC?

Whole life insurance or permanent life insurance policies pay out dividends to policy holders. This is done by sharing the profits and retained earnings by that insurance company. If that’s not good enough, every permanent life insurance policy comes with a guaranteed cash value, and this cash value represents the total amount of death benefits. Usually, the insurance company will hand over that amount to the nominee of that policy if the life insured passes away within the policy tenure. There is a set method for calculating that amount. Death Benefit = the total amount of the policy premium + the earned interest + the total amount of policy dividends.

If you are willing to cancel the whole life insurance policy while still living, the life insurance company will provide you with the cash value. As long as you have paid all of your policy premiums, you can borrow usually around 90% of the cash value, as a loan collateralized against that policy. Further, when you use the policy loan feature against your policy, your cash value will grow and compound uninterrupted despite that policy loan, and it will not affect your credit score.

This does not happen with a term life insurance policy where the life insurance company financially supports the beneficiary only after the policyholder passes away. A term insurance policy is most beneficial if the policyholder passes away within the policy tenure. In contrast, whole life insurance policies cover one’s entire life and provide several benefits even if that person is still alive.

So, instead of saving your hard-earned money in a traditional bank, you can easily use that amount to purchase a whole life insurance policy and utilize the limitless benefits of infinite banking.

Services We Offer at PB BANKERS

We offer the following PB Banking services to provide complete financial freedom and help you become your own banker. We thrive to make IBC a way of life for you and your whole family to implement the process of Family Banking.

Whole Life Insurance

We know there are lots of misconceptions regarding a whole life insurance policy. Many individuals believe that purchasing a whole life insurance policy is expensive, and it is not good for growing your money fast. When you work with us, you will surely look at permanent life insurance in a different way.  At PB BANKERS, we always create a custom Wealth Maximization Account (WMA) as part of our family banking services. This process is for any individual or company opting for a whole life insurance policy that:

It is our responsibility to choose the right whole life insurance policy for you. This policy will cover your entire life and provide several benefits while you are still alive.

Term Life Insurance

We extend our family banking services to choose the best budget-friendly term life insurance. We will work with all the leading insurance companies to choose and customize the best policy for you. These policies have fixed terms and will expire automatically following the completion.

Policy Loan

At PB BANKERS, we completely understand the burden of paying the monthly installments when you avail a loan from a traditional financial institute. But do you know that you can easily get the same loan amount against your whole life insurance policy? In fact, this idea is well established in the Infinite Banking Concept as proposed by Late Nelson Nash. So, we got motivated to help you, if you need a policy loan against your whole life insurance policy.

We know these policy loan services are designed to offer maximum benefits to you the policyholders. For example, if you borrow a loan against your life insurance policy, you can still earn the interest and potential dividends against the total policy value. In case you expire before repaying the loan, the loan amount will be automatically deducted from the total amount of death benefits. After that, the remaining amount of death benefit will be handed over to the nominee.

We hope you have a better understanding of the services we offer in PB BANKERS. Contact us directly to take the next step ahead in your infinite banking journey and start becoming your own banker today.

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We strive to create awareness of the “Becoming Your Own Banker” & “Ínfinite Banking Concept“. At PB Bankers we hope to touch many lives and future generations to come with our wealth of knowledge and tools to help You Become Your Own Banker.

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