Premier 72

    Private Banking Strategy

    Cash Value Life Insurance as a Personal Financing Strategy.

    Specially designed whole life insurance can serve as a source of personal financing through policy loans. Whether values keep growing while a loan is outstanding depends on the carrier and policy design, and loans accrue interest and reduce cash value and death benefit if not repaid. The strategy demands disciplined design, not slogans.

    Who This Is For

    Built for clients with structured planning needs.

    Permanent life insurance designed for cash value access and long term accumulation, a planning strategy sometimes called the Infinite Banking Concept. It is not a bank or bank account.

    • Business owners reinvesting capital into their own operations
    • Real estate investors who want predictable access to liquidity
    • Families building a long term reserve they can draw on for future needs
    • Professionals looking for tax deferred accumulation alongside retirement plans

    What This Is Built Around

    Structural components, not product pitches.

    High Early Cash Value Design

    Policies engineered for accessibility, not maximum death benefit.

    Policy Loan Mechanics

    Borrow against cash value. Loans accrue interest, and how the remaining value is credited depends on the policy design.

    Tax Deferred Accumulation

    Tax deferred growth inside a permanent policy, with access through loans and withdrawals that should be planned with your tax professional.

    Coordination with Existing Capital

    Integration with operating accounts, lines of credit, and investment plans.

    What You Leave With

    A written, structured plan, not a sales pitch.

    An honest assessment of whether the strategy fits your situation
    A modeled illustration of capital flow over a 10 to 20 year horizon
    A written summary of how to fund and use the policy responsibly
    Schedule a Private Banking Review

    Explore the Other Pillars

    Each pillar is a focused planning area within the broader Premier 72 framework.

    Income

    Term, Whole Life, and Indexed Universal Life strategies for individuals, couples, and families, structured around your income, your obligations, and the people who matter to you.

    Keep the Business Operating When the Unexpected Happens.

    Key-person, buy-sell, and SBA-aligned coverage so your company keeps moving when an owner or critical contributor is lost.

    Transfer Wealth Efficiently

    Structured permanent insurance designed to move wealth efficiently to heirs, charities, and the institutions you care about.

    Tax Aware Accumulation

    Permanent life insurance as one part of a broader plan for tax deferred growth, retirement income, and estate transfer, coordinated with your tax professional.