The Ultimate Asset®
VOLUME-BASED INFINITE BANKING
Banks Hold $220 Billion in This Asset. Financial Gurus Tell You to Avoid It.
JPMorgan Chase: $30B. Bank of America: $25B. Wells Fargo: $20B.
If whole life insurance is such a terrible investment, why do America’s most sophisticated financial institutions hold over $220 billion of it?
Free 250-Page Book Reveals What They Know
The One Question That Changes Everything
Most people ask: “What’s the best investment?”
Banks ask: “How do we maximize capital efficiency BEFORE we invest?”
Your income hits checking. Sits at 0%. Then you invest some portion.
What if you eliminated the dead middle?
What if every dollar earned 5-6% tax-advantaged from the moment you received it until you deployed it?
That’s not optimizing 10% of your income. That’s capturing efficiency on 100% of your lifetime cash flow.
Over 30 years, that’s the difference between incremental gains and generational wealth.
What’s Inside the 250-Page Guide
PART I: THE FOUNDATION
Chapter I: Whole Life Insurance as The Ultimate Asset®
Chapter II: Understanding Whole Life Insurance
Chapter III: Core Components of Banking Infrastructure
Chapter IV: CONTROL
PART II: THE STRATEGY
Chapter V: Asset Multiplication and Volume-Based Banking
Chapter VI: Tax Advantages and Asset Protection
Chapter VII: Volume-Based Banking—The Complete System
PART III: REAL-WORLD APPLICATIONS
Chapter VIII: Real Estate Applications & Strategies
Chapter IX: Business Owner Applications—Capital Without Permission
Chapter X: Multiple Life Insurance Policies—Scaling the System
Chapter XI: Estate Planning Integration
PART IV: IMPLEMENTATION
Chapter XII: Addressing Common Misconceptions and Criticisms
Chapter XIII: Your Implementation Plan—What to Do Next
Plus: Real case studies, actual policy illustrations, and step-by-step frameworks
Real Estate Example
- Traditional approach: 14.2% cash-on-cash return
- With policy loans: 34.5% cash-on-cash return
- Plus your cash value continues compounding at 5.5%
See the complete breakdown in Chapter VIII
Business Owner Example
Bank loan cost over 5 years: $17,320
Policy loan cost over 5 years: $11,500
Plus you gained $19,196 in policy growth while financing equipment
See the full calculation in Chapter IX
Retirement Strategy
Traditional 4% rule: Live on $48,000 per year, preserve principal
Permission Slip Strategy: Live on $100,000 per year, spend assets aggressively
Death benefit replaces spent assets tax-free to heirs
Full strategy in Chapter XI
Who Actually Uses This Strategy?
Banks: $220B+ in Bank-Owned Life Insurance
Corporations: Walmart, Disney, hundreds of Fortune 500 companies
Wealthy Families: Rockefellers for 100+ years, Kennedys, Carnegies
Follow what institutions DO, not what entertainers SAY.
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“Education is key—I&E delivered exactly that. I’m excited about actively building a plan to secure my financial future and that of my family.” — El G.
“After 10 months with other agents, I&E made it simple. The whole thing became simple.” — Janine
“No pressure, just education and transparency. They never applied pressure.” — Peter Z.
“I wish I knew them 20 years ago.” — Verified Client
This Book Is Perfect For You If:
You want control over capital without asking banks for permission
You have positive cash flow and can live on 70-80% of income
You’re building for the long term with a 7-10+ year horizon
You’re a real estate investor or business owner seeking faster capital access
You’re ready to understand how banks and wealthy families actually build wealth
This May Not Be Right If:
You need money back in 1-3 years
Your spending currently exceeds your income
You’re committed to “buy term and invest the difference” without exploring alternatives
You prefer delegating all financial decisions without understanding the mechanics
About Jason Kenyon, Esq. & Steve Gibbs, Esq.
Estate planning attorneys who discovered this strategy solving real client problems.
We founded Insurance & Estate Strategies in 2018 with one mission: show families how to implement the same strategies banks and wealthy families use.
270+ five-star reviews. 10,000+ downloads. Zero pressure.
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