Disclosures

The Infinite Banking Concept® is a registered trademark of Infinite Banking Concepts, LLC. Your Reserve Fund is an independent educational and financial strategy firm.

The information provided on this website is for educational purposes only and does not constitute formal tax, legal, or investment advice. Individual results will vary depending on underwriting, policy design, and cash flow commitment.

The following disclosures apply to all educational content, research, case studies, charts, and related material published by Your Reserve Fund Letter.

• This article is educational and is not individualized financial, legal, or tax advice.
• Results vary. Figures shown are illustrative and depend on individual circumstances, contract design, funding level, and market conditions.
• Life insurance requires individual underwriting. Eligibility, premiums, and issued benefits are determined by the issuing insurer based on health, age, and other factors.
• Contract guarantees depend on the claims-paying ability of the issuing insurer. Non-guaranteed values, including dividends, are not guaranteed and may change.
• Policy loans accrue interest. Outstanding loans reduce available cash value and the death benefit payable to beneficiaries. If a heavily loaned contract lapses or is surrendered, adverse tax consequences may occur.
• A contract classified as a modified endowment contract (MEC) may lose favorable tax treatment on loans and withdrawals. Proper funding design is essential to avoid MEC status.
• Tax outcomes depend on design, ongoing management, and current law, which may change. Review an insurer-approved illustration and consult qualified professionals before acting.
• This strategy is not a replacement for a diversified investment portfolio. It is one component of a broader financial architecture and is not appropriate for every situation.