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?
Nash built the vehicle. Volume-Based Banking is the operating system he never wrote.
Free Operating Manual 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 Ultimate Asset® Guide
INTRODUCTION: Nash’s Unfinished Conclusion Nelson Nash owned 34 life insurance policies. The IBC industry quoted his sentence about volume and ignored what he actually built. This introduction shows the gap between what the industry teaches and where Nash was actually pointing — and why Volume-Based Banking is the methodology that finishes what he started.
Chapter 1: What Is The Ultimate Asset®? Most whole life policies on the market don’t qualify. Three criteria must be present simultaneously — proper design, active operation, and deployment into cash-flowing assets. Remove any one and you have something less. This chapter gives you a definition precise enough to evaluate any policy before you sign anything.
Chapter 2: Volume-Based Banking — The Complete Operating System Dave Ramsey got the foundation right but handed you to Wall Street. Nash got the vehicle right but left the methodology incomplete. Kiyosaki got the objective right but left the foundation exposed. VBB is what happens when all three converge — one system where each input makes the others more powerful.
Chapter 3: VBB Applied — Real Estate Deployment Strategies Six specific strategies with real numbers: down payment financing, fix-and-flip, bridge loans, BRRRR integration, 100% equity purchase, and portfolio building. Same properties. Different chassis. Categorically different outcomes.
Chapter 4: The Psychology of Control The spreadsheets don’t capture this part. What actually changes after five years of operating a system where no one can freeze your capital, deny your loan, or force you to sell at the wrong moment. The internal shift that drives long-term results.
Chapter 5: Follow the Money JPMorgan Chase: $30B. Bank of America: $25B. Wells Fargo: $20B. If whole life is such a poor instrument, why do America’s largest banks hold it as Tier 1 capital? This chapter answers that question — and dismantles buy term and invest the difference with an honest comparison most advisors won’t give you.
Chapter 6: Your Next Step Three questions that separate VBB specialists from salespeople. What to expect from a strategy session with our team. And what to do if the timing isn’t right yet.
Real Estate Example — Down Payment Financing
- Traditional approach: 14.2% cash-on-cash return
- With policy loans: 34.5% cash-on-cash return
- Plus your cash value keeps compounding while the property cash flows
See the complete breakdown in Chapter III
Real Estate Example — Fix and Flip
- Conventional hard money cost on a single flip: $15,300 more than a policy loan
- Across 10 flips: $150,000+ in financing cost advantage
- Plus your cash value never stopped growing during any project
See the full calculation in Chapter III
Real Estate Example — Portfolio Building
- One investor. $80,000 recycled through the same policy.
- Five properties. $175,000 in equity. $1,800/month net cash flow.
- Total new capital deployed beyond initial premiums: effectively zero
Full strategy in Chapter III
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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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.
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