A real-life case study of a family with three children who successfully integrated their kids into the Infinite Banking Concept (IBC). From application to policy ownership conversations, building financial literacy, responsibility, and long-term thinking.

Why Clients Use It

Models hands-on learning for children in a real financial system
Encourages shared ownership and responsibility for family capital
Builds a generational habit of saving, contribution, and long-term planning
Reinforces family unity around financial discussions and capital decisions

Key Insights

Family Background & Inclusion
A family with three children (ages 12–19) started IBC in 2018–19, ensuring all kids were part of the process—from planning to application—even when not strictly required.
Child-Focused Policy Design
Monthly premium policies (~$500 total) were opened for each child. Parents cover the base premiums; kids contribute optional amounts from their part-time income.
Hands-On Financial Education
Children actively participate in discussions about using policy funds—covering costs like school, sports, or cars—and even attend advisor meetings.
Ongoing Engagement & Growth
Kids asked for reading lists to deepen their knowledge, reinforcing an ownership mindset and embedding IBC as part of family identity.

Previous Topic

Back to Lesson

Next Topic