Use Infinite Banking To Reduce Taxes, Increase Liquidity and Gain More Control Of Your Capital
For successful business owners, real estate investors, and professionals.
How It Works And Why It Changes Everything.
Infinite Banking or IBC helps you build a private pool of money that YOU control.
The Infinite Banking Concept is like having your "own bank". You can access money from it whenever you want, use it however you like, and pay the money back whenever you want (or not at all).
Carrier Partners We Work With
The Benefits of
Infinite Banking
The "engine" of IBC is a dividend paying whole life insurance policy with a mutual insurance carrier.
Guaranteed Growth
Your banking system grows at a guaranteed rate (~3%) every single year.
Liquidity
Quick access to liquid capital. No credit check, no application, no approval process. Recieve funds within 3–5 days.
Tax Free
Your banking system grows tax deferred and can be accessed completely tax free when structured correctly (we'll help with that).
Uninterrupted Compounding
When you borrow against your policy, your full cash value continues to earn interest & dividends as if you never touched it.
Creditor Protection
In most states, you are protected from creditors & lawsuits.
Legacy for Your Heirs
Your policy includes a guaranteed income tax free death benefit to leave behind to your heirs.
Infinite Banking Uses
People use infinite banking to finance major purchases and investments they'd otherwise fund through traditional banks. Borrow from your system, deploy the capital, repay the loan, and repeat the process.
Business Financing
Business owners use policy loans to finance equipment, inventory, or expansion without the approval of a bank. You take a policy loan, lend it to your business, and your business repays you with interest. You are recapturing payments that would otherwise go to a bank.
Real Estate
Borrow against your cash value for earnest money, down payments, or even buy a property outright. Use rental income to repay the loan. When the loan is repaid, you have both the property and a larger pool of money to repeat the process.
Major Purchases
Homes, rental properties, cars, college, etc... any major purchase you'd normally finance through a bank or tradtional lender.
Debt Elimination
You can use policy loans to consolidate & eliminate high interest debt. Take a policy loan, pay off outstanding debts and make repayments back to your own banking system. Get rid of 10-20%+ interest debt with a 5% policy loan while your entire cash value continues earning 4-5%.
Who This Is For and Who It Is Not For
- You are a business owner
- You are a real estate investor
- You are a high income professional
- Earning $200,000+ annually (if single)
- Earning $300,000+ annually (if married)
- Or $1,000,000+ in investable assets (excluding primary residence)
- You are chasing trends or hype
- You have unstable or tight cash flow
- You are unwilling to think long term
- You are looking for a shortcut or a get rich quick strategy
What Our Clients Are Saying
"Chris walked me through the whole concept and made it easy to understand. I wish I had known about this years ago... this strategy when understood and implemented is a game changer!"
"I was skeptical at first, but Chris took the time to show me the numbers. He is a great teacher and truly has a heart to serve. I've had my policy for two years now and I couldn't be happier."
"Finally a strategy that doesn't depend on the market. Chris helped me set up a policy that protects my family and builds wealth at the same time. Highly recommend."
Chris Zerafa
Founder, Zerafa Financial
Chris Zerafa is a financial professional who helps successful business owners, real estate investors, and professionals reduce taxes, increase liquidity and gain more control over their money.
He is passionate about financial education, and works to make sure every client fully understands the strategy before putting a single dollar in place.
Outside of work, you'll find Chris fishing on Lake St Clair, attending mass and spending time with wife & family. He is a devout Catholic. The foundation of Zerafa Financial is built on Jesus Christ and all of our work is to glorify Him!