The "Infinite Banking Hack" Missed By Most Including Experts

8 snips

Jul 9, 2025

Explore how to make your stagnant cash work harder for you with a unique infinite banking strategy. Discover the Premium Deposit Fund that offers guaranteed 5.5% interest while automatically funding your life insurance premiums. Learn why large upfront policy funding can be a costly mistake and find out how to maintain liquidity for emergencies. A real-world example illustrates how to effectively manage your funds without incurring hefty fees, allowing your money to earn more while still providing security.

Ask episode

AI Snips

Chapters

Transcript

Episode notes

ADVICE

Avoid Large Upfront Funding Fees

Avoid dumping large sums up front into a whole life insurance policy due to high fees.
Instead, fund smaller policies over multiple years to reduce upfront costs significantly.

ADVICE

Use PDF To Fund Premiums

Use a premium deposit fund (PDF) earning 5.5% interest to hold cash before paying life insurance premiums.
Let the fund accrue interest and automatically pay the policy premiums to maximize returns and liquidity.

ANECDOTE

Client Success With PDF Strategy

A client invested $185,000 into a PDF earning guaranteed interest while paying $35,000 annual premiums.
By year two, his total assets equaled or exceeded his initial cash input thanks to the combined growth.

Get the Snipd Podcast app to discover more snips from this episode

Get the app

Book a MAX ROI Infinite Banking strategy session now: https://bit.ly/4lGyIf9 Do you have cash just sitting on the sidelines, earning next to nothing and you’re not sure where to put it?

What if I told you there's a powerful, little-known infinite banking strategy that could pay you guaranteed 5.5% interest while also funding your life insurance premiums automatically? And no, this isn’t about real estate or a standard high-yield savings account. It’s something that even most infinite banking agents don’t know about or explain clearly. I’m sharing that premium deposit fund hack with you in this episode.

I hear it all the time from listeners and clients: “Chris, I’ve got money sitting in savings. I’m not ready to invest all of it just yet, but I still want it to earn more. What can I do?”

Many agents would love for you to just dump a large sum into a life insurance policy but what they’re not telling you is that can cost you tens of thousands of dollars in fees right off the bat. I break down why that’s a terrible move for most people—and what you should do instead.

Using a real-world client example, I walk you through how someone with $185,000 in cash was able to put that money to work earning guaranteed interest, keep full liquidity for emergencies, and still fund their max-ROI whole life policy over time without having to worry about annual premium payments.

You’ll learn:

- Why large upfront policy funding creates unnecessary costs - How the Premium Deposit Fund (PDF) works like a tax-efficient CD - How to earn over $25,000 in guaranteed interest while keeping access to your funds - Why this strategy reduces your life insurance policy fees dramatically - How you can still pull money out for emergencies while protecting your long-term plan - The powerful combo of tax-free growth, death benefit, and cash accessibility

I even pull up real-life numbers to show exactly how much you keep, how much you lose in fees depending on your method, and why this PDF strategy could be one of the best places to stash idle cash especially if you’re preparing for future policy premiums or want a rock-solid safety net for your family.

Whether you’re brand new to infinite banking or already have a few policies in place, this is a financial optimization strategy worth understanding. If you’ve got cash sitting around that you’re not using immediately and you want to preserve it, grow it, and gain flexibility this episode is for you.

Want to go deeper? Head over to https://moneyripples.com/infinite-banking/ and check out our Infinite Banking resources or book a call to see what this would look like for you personally.