Debt Free Life (IBC Approach)

"Pay Off Debt. Build Wealth. Become Your Own Bank."

Debt Free Life uses specially structured whole life insurance policies to help you eliminate debt, build cash value, and create a storehouse you can borrow from instead of banks.

A strategy that combines biblical stewardship principles with a modern insurance tool.
Instead of sending money to creditors and banks, you redirect payments into a cash value policy.
That cash value can then be used to pay off debts while building liquidity for future needs.
Over time, you shift from being a borrower to becoming your own banker.

Accelerate Debt Payoff → Use structured policy loans to eliminate debt faster.
Build Wealth While Paying Debt → Your money earns inside the policy even while you borrow against it.
Liquidity & Control → Access your cash value anytime for opportunities, emergencies, or stewardship needs.
Legacy Building → Permanent life insurance creates generational impact beyond your lifetime.

Redirect Payments → A portion of your income funds a whole life policy.

Grow Cash Value → Policy builds equity that is liquid and tax-advantaged.

Leverage & Payoff → Borrow from the policy to pay off debts (snowball effect).

Build a Storehouse → Keep redirecting freed-up money back into your policy to grow wealth.

What to Expect in a Consultation

Review of your current debts and cash flow.

Illustration of how a properly structured whole life policy would work for you.

Step-by-step payoff plan showing the timeline to eliminate debt.

Q&A on Infinite Banking myths vs. realities.