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.

Policy Performance Disclaimers

Cash value growth illustrated in any calculator, chart, or case study on this website reflects a blend of guaranteed contract values and current dividend scales. Actual policy performance will differ based on the issuing insurer, contract date, premium pattern, loan activity, and prevailing economic conditions.

Figures referencing early cash value of 85% or higher of first-year premium assume a properly structured policy with a maximized Paid-Up Additions (PUA) rider and are not representative of standard whole life designs. Standard whole life policies typically build cash value more slowly and should not be compared directly to an IBC-engineered contract.

The interest recapture figures shown in the interactive calculator are illustrative projections based on stated assumptions (e.g., 7.5% bank APR, 6% policy growth, simple-interest policy loan repayment). They are not a guarantee of future results and do not account for policy fees, surrender charges, premium taxes, or carrier-specific loan interest rates, which may be higher or lower than the rates shown.

Policy loans and withdrawals reduce the cash value and death benefit available under the contract. If a policy becomes over-loaned relative to its cash value and is not repaid, the contract may lapse, potentially triggering adverse tax consequences. Borrowers should monitor loan balances regularly and maintain a repayment plan.

Dividend Non-Guarantee Notice

Dividends referenced throughout this website are paid by participating mutual life insurance companies and are not guaranteed. Dividends are declared annually by the insurer’s board of directors and are based on the company’s actual investment performance, mortality experience, expense management, and persistency. Past dividend performance is no assurance of future dividends, which may be increased, decreased, or eliminated in any given year.

All illustrations of non-guaranteed elements—including dividend cash value, paid-up additions, and projected policy growth—are based on the carrier’s current dividend scale and assumed continuation at that level. The current dividend scale is subject to change without notice. Only the guaranteed values shown on an insurer-approved illustration are contractually binding.

Your Reserve Fund does not issue insurance contracts, set dividend rates, or guarantee policy performance. All contractual guarantees are the sole obligation of the issuing insurance company and depend on that company’s claims-paying ability and financial strength.

State Availability & Licensing

Life insurance products and the Infinite Banking Concept are not available in all states. Product features, contract provisions, and underwriting requirements vary by jurisdiction. Residents of states in which Your Reserve Fund or its representatives are not licensed may not be able to purchase the products described on this website.

Your Reserve Fund and its advisors are licensed to conduct insurance business only in the states where properly registered. Information on this website is intended for residents of those licensed states only and should not be construed as an offer or solicitation in any jurisdiction where such an offer would be unlawful.

If you are unsure whether the strategies described here are available in your state, please contact us at mike.washer@icsfinancial.com or call (703) 980-8873 to confirm availability and licensing in your jurisdiction before acting on any information presented here.