$85k Real Estate Case – Creative Way To Expand System
What This Covers
This case study, originally shared by Richard Canfield, illustrates how a real estate investor strategically applied $95,000 of available capital through a high-impact policy design, enabling immediate liquidity while maximizing long-term system growth.
Why Clients Use This
To fund new real estate deals without losing access to capital
To build insurance coverage and legacy while staying liquid
To use policy design creatively based on immediate vs. long-term goals
To leverage a one-time cash windfall into multi-purpose value
To see how Infinite Banking can fit real estate investment timelines
Key Insights by Timestamp
(00:00–01:19)
Richard shares a real-life client example:
The client has $95,000 from a previous deal
Needs $85,000 again within 3 months for a new real estate investment
Already familiar with Infinite Banking and wants to keep money working in his system
(02:00–02:41)
Policy breakdown:
Client commits to a $12,500 base premium (about $1,075/month)
Design allows up to $338,000 of paid-up additions
Chooses a $50,000 annual premium, funding it upfront
(03:19–03:58)
Execution:
Pays $37,500 as paid-up addition right away
Switches base premium to monthly payments
Has immediate access to funds via policy loan, allowing him to move forward with renos/refinancing
(04:00–04:41)
Results:
Receives approx. $500,000 in whole life coverage instantly
Keeps capital inside the system while still using it
Gains flexibility to keep repeating the cycle with future cashflows
Takeaway for Clients
If you’re in real estate or have large one-time capital events, you don’t need to choose between liquidity and long-term growth. With intentional design, you can do both. Use the capital and keep it working for you inside your system.