The Ultimate Asset®: How America’s Wealthiest Build (And Keep) Real Wealth

But here’s what makes this truly remarkable: while you’ve been following conventional financial advice, the wealthy have been operating in a completely different position within the financial system.

As estate planning attorneys who’ve worked with everyone from business owners to ultra-high-net-worth families, we’ve watched how the truly wealthy actually build and protect their wealth. Their strategy looks nothing like the conventional wisdom of maxing out 401(k)s and hoping for the best in the market.

Instead, they focus on something far more powerful—what we call The Ultimate Asset®.

Think about this: Every time you put money in a traditional bank account or investment, you face an impossible choice. Either your money stays liquid and earns almost nothing, or you lock it away and pray the market cooperates when you need it.

But what if you didn’t have to choose?

What if you could:

• Guarantee your money grows every year, regardless of market conditions
• Access your capital in 48 hours whenever you want, without bank approval or penalties
• Watch your entire account continue growing even while you’re using the money
• Build wealth completely tax-free
• Position yourself in the “front row” for capital access—before inflation devalues currency—just like banks and wealthy institutions do

Sounds too good to be true? That’s exactly what we thought—until we discovered why banks and wealthy families have quietly used this strategy for over 200 years.

This isn’t just about “becoming your own banker” in the traditional sense. This is about implementing a complete financial philosophy we call Volume-Based Banking (VBB)™—an evolution of traditional Infinite Banking that positions you like wealthy institutions rather than perpetual borrowers stuck in the “back row” of the financial system.

The Three Pillars of Volume-Based Banking

Before we dive into the mechanics of The Ultimate Asset®, you need to understand the framework that makes this strategy truly powerful. Volume-Based Banking rests on three fundamental pillars that distinguish it from both traditional banking and conventional infinite banking approaches.

Front Row Positioning: The Wealthy’s Secret Advantage

Here’s something most financial advisors won’t tell you: The financial system has a front row and a back row. And which row you’re sitting in determines whether you build wealth or watch others build it.

The Cantillon Effect: Why Position Matters

The Cantillon Effect (named after 18th-century economist Richard Cantillon) explains why the wealth gap keeps widening despite everyone working harder:

Your VBB Position: When you borrow against your policy, you’re accessing capital BEFORE inflation devalues it—just like banks and wealthy investors do. You’re in the “front row,” not the back.

• You borrow today’s dollars to buy assets
• Your tenants/customers pay you back with tomorrow’s inflated dollars
• Your loan payment stays fixed while your income rises with inflation
• Debt gets cheaper while assets get more valuable

This isn’t speculation—it’s positioning yourself on the winning side of monetary expansion.

Why Strategic Borrowers Win in Fiat Systems

In a fiat currency system with continuous monetary expansion, strategic borrowers have a mathematical advantage:

VBB enables you to harness this dynamic systematically across your entire financial life. Instead of watching inflation erode your savings, you use policy loans to position yourself in the front row—accessing capital before inflation hits, deploying to productive assets that appreciate with monetary expansion.

The Truth About How Banks Build Wealth

Here’s what fascinates us: Banks don’t follow their own advice. They don’t day trade. They don’t anxiously watch the market. Instead, they focus on something far more powerful—volume-based wealth accumulation.

The Power of Volume Over Returns

Think about how banks actually make money. When you deposit $100,000, they don’t just sit on it hoping for better returns. They leverage it to create nearly $1 million in loans. They understand that VOLUME matters more than rate of return. They focus on how many times their money can work simultaneously.

This is where The Ultimate Asset® changes everything.

Banks don’t just lend out money once—they create systems where capital works in multiple places. They borrow from you at 0.5%, lend at 8%, and their capital never stops earning. Now you can do the same.

The Ultimate Asset®: A New Paradigm in Wealth Building

Using a properly designed high cash value dividend paying whole life policy, in conjunction with an abundant mindset focused on asset acquisition, you can create a perpetual wealth-building machine that lets your money work in multiple places at once—just like banks do.

Imagine having a financial foundation that offers:

Guaranteed Growth, Forever

Your money grows at a guaranteed rate every year, completely protected from market volatility. This is what makes The Ultimate Asset® a true “sleep-easy” asset—no more sleepless nights wondering if your retirement will survive the next crash.

Right now, with markets down 10-20%, even 30%, properly structured whole life cash value is still growing, untouched by the chaos. Even better? This growth is entirely tax-free.

Here’s what makes this truly remarkable: once your money starts growing, it never stops. Unlike market-based investments where a downturn can wipe out years of progress overnight, The Ultimate Asset® locks in your gains every year. Your cash value only moves in one direction—up.

This guaranteed, uninterrupted compound growth creates a snowball effect that accelerates over time, building momentum year after year. It’s like having a financial engine that never turns off—and lets you sleep easy knowing your wealth is secure.

Complete Control and Access

Unlike traditional retirement accounts that lock away your money or charge penalties for early withdrawal, you maintain full access to your capital. Need money for an investment opportunity? It’s available within 48 hours, no questions asked. No bank approval. No debt-to-income calculations. No credit checks.

This is what separates you from the masses begging banks for permission to access capital. You approve yourself.

The Ultimate Banker’s Secret: Money Working Twice

Here’s what makes this truly powerful—your money never stops working. When you use your capital for investments or opportunities, your entire account continues growing as if you never touched it. This is Pillar #2 (Velocity) in action.

This is how banks multiply their money. They never let capital sit idle. It’s always working in multiple places simultaneously. Now you can do the same.

The Real Estate Investor’s Secret Weapon

If you’re a real estate investor—or want to be—pay close attention. This is where The Ultimate Asset® becomes truly game-changing.

How The Ultimate Asset® Solves This

With a properly structured policy, you become your own hard money lender—but you pay the interest back to yourself, not to a bank:

Real Estate Applications

The Ultimate Asset® is perfect for:

• Down Payments: Access 20% down payment capital instantly without disrupting your portfolio
• Fix-and-Flip Financing: Replace expensive hard money lenders (10-12%) with your own capital at 5-6%
• Bridge Loans: Finance property #2 while waiting to sell property #1—no bank needed
• All-Cash Offers: Make competitive all-cash offers that sellers prefer, then refinance later
• Rehab Costs: Fund renovations without home equity loans or construction financing
• Portfolio Expansion: Keep adding properties without hitting DTI limits from conventional lenders

This is why roughly half of our clients are active real estate investors. They’ve discovered that The Ultimate Asset® isn’t just a banking alternative—it’s the infrastructure that lets them scale their portfolio without begging banks for permission.

Real World Example: Strategic Deployment in Action

Let us share a story about one of our recent clients—we’ll call him Ethan. Like many successful business owners, he was looking for a smarter way to build wealth for his family while keeping control of his capital.

At just 30 years old, running his own business, and with two young kids at home, Ethan understood something most people miss: True wealth isn’t just about making money—it’s about how you structure it.

How We Structured His Ultimate Asset™

We designed Ethan’s policy with a $25,000 annual premium, maximizing early cash value while maintaining the tax benefits. Here’s what happened:

From day one, his family had over $729,000 in protection. But that was just the beginning. By year 16, that protection grew to nearly $2 million—completely tax-free.

But here’s where it gets fascinating:

By year 10, something remarkable happened. His $25,000 premium was generating $37,288 in cash value growth—that’s $12,288 more than what he put in. Think about that: His money wasn’t just growing, it was multiplying.

And by year 16? His $25,000 premium was creating $50,391 in cash value growth—a cash-on-cash return of over 100%. Show me another asset that does that while maintaining complete liquidity and tax advantages.

Real Numbers: See how a properly structured Ultimate Asset® grows over time. In this example, a $25,000 annual premium generates over $50,000 in cash value growth by year 16 – that’s a 100% cash-on-cash return while maintaining complete access to your capital.

But Policy Growth Was Only Half the Story

Here’s where Ethan activated Pillar #2 (Velocity) and Pillar #3 (Value Creation):

In year 5, Ethan had accumulated $110,565 in cash value. A rental property opportunity emerged—a duplex listed at $185K that would cash flow $1,350/month after all expenses. His options:

1. Traditional Bank Route: Apply for mortgage, wait 30-45 days, hope his DTI qualifies, tie up the property in inspection contingencies—deal would be gone
2. Hard Money Lender: Pay 12% interest + 4 points upfront ($7,400) = $29,600 annual interest on $185K—kills the cash flow
3. Policy Loan Route: Access $110K within 48 hours, make competitive offer, close fast

Ethan chose option 3. Here’s what happened:

Ethan paid himself back over 3 years using the property’s cash flow—recapturing the interest instead of sending it to a bank forever. After 3 years, he had:

• Cash-flowing rental property worth $200K+
• Policy cash value back to full capacity for next opportunity
• Death benefit still growing to protect his family

This is Pillar #3 (Value Creation) in action: Ethan deployed to a productive asset (rental real estate generating cash flow) aligned with his investor DNA, not speculation or consumption. He wasn’t a forced buyer—he waited for an opportunity that met his criteria.

Five years later, Ethan has repeated this process twice more. He now owns three rental properties generating $4,100/month combined, his policy has $165K in cash value ready for the next opportunity, and his death benefit has grown to $1.2M.

Transparency: The Complete Cost Structure

Unlike traditional policies that hide costs, this illustration provides complete transparency. As you can see in Ethan’s policy breakdown:

• The $25,000 annual premium is carefully allocated: only $3,506 goes to the Base Contract Premium, with the majority ($20,865) directed to the EPPUA (Enhanced Paid-Up Additions) that accelerates cash value growth
• In the first year, Ethan’s policy generated $18,673 in guaranteed cash value, representing approximately 75% of his premium
• By year 5, his cash value reached $110,565 on $125,000 in total premiums
• Most importantly, by year 10, the annual increase in cash value ($37,288) exceeded his annual premium ($25,000)—the policy was now generating more growth each year than Ethan was contributing

This is what proper policy design looks like. It minimizes early costs and maximizes cash value from day one. While traditional whole life policies might take 15-20 years to break even, Ethan’s properly structured policy builds significant accessible capital from the beginning while still delivering the full death benefit protection of $728,673 from day one.

Beyond Basic Benefits

The ultra-wealthy understand that true financial power comes from stacking multiple benefits:

• Tax-free growth and access
• Asset protection from creditors*
• Guaranteed increases every year
• Additional dividend payments from companies with 100+ year payment histories
• Complete privacy (no reporting to credit bureaus)
• A tax-efficient way to transfer wealth to the next generation

The Power of Uninterrupted Compound Growth: Most people face a frustrating choice: either their money grows OR they can use it. The Ultimate Asset® eliminates this false dichotomy. Your entire account value continues compounding even while you’re using the money for other opportunities.

*See if your state offers life insurance creditor protection.

Strategic Deployment: Creating Real Value

Here’s where most people get infinite banking wrong: They think it’s just about “borrowing from yourself” for any purchase. That’s consumption, not wealth creation.

Economist Richard Werner proved through empirical research that not all credit deployment is equal. There are three types:

VBB Strategy Alignment: Your policy loans should flow primarily to Type 1 (productive investment)—assets that generate cash flow, build skills, or create real economic value. This creates sustainable wealth rather than temporary consumption or speculative bubbles.

Productive Deployment Examples

The Strategic Optionality Advantage: Unlike 401(k) contributions that force you to buy whatever the market offers at any price, your policy keeps earning whether you deploy or not. You maintain patient capital. You wait for opportunities aligned with your expertise. You deploy aggressively when assets are cheap, not when markets are overheated.

This is how wealthy families operate. This is Pillar #3 (Value Creation) in action.

Eliminating the Retirement Killer: Sequence of Returns Risk

For those approaching or in retirement, there’s a hidden threat that conventional financial planning rarely addresses adequately: sequence of returns risk. This risk occurs when you need to withdraw funds from your investment accounts during market downturns, forcing you to liquidate more shares to meet your income needs—permanently damaging your portfolio’s future growth potential.

How The Ultimate Asset® Eliminates This Risk

With a properly structured whole life policy, this retirement nightmare scenario vanishes entirely. Here’s why:

• Borrow, Don’t Withdraw – When you need retirement income, you simply borrow against your cash value rather than withdrawing from it
• Continued Growth – Your entire cash value continues growing at the guaranteed rate plus dividends, exactly as if you never accessed the money
• Market Immunity – Market downturns become irrelevant to your income strategy, eliminating panic-driven decisions
• Flexible Repayment – You control loan repayment terms, allowing you to repay when convenient or structure it so the death benefit handles eventual repayment

This fundamental difference—borrowing against an asset that continues growing versus withdrawing from a fluctuating account—provides retirees with unprecedented financial security and peace of mind.

Think of it this way: Traditional retirement accounts force you to “cannibalize” your nest egg during bad markets, while The Ultimate Asset® keeps your capital intact and growing regardless of market conditions. This single advantage alone can mean the difference between a stress-filled retirement constantly worrying about market performance and one where your income is reliable and predictable year after year.

Understanding Economic Value Added (EVA)

Let us share something that changed our perspective entirely about how money works. Every dollar you have is either costing you interest or earning you interest. There’s no middle ground.

The Hidden Cost of Cash

Think about it: When you spend $50,000 in cash on a down payment, you’re giving up all the compound growth and tax advantages that money could have earned. Banks understand this. That’s why they never actually spend their capital.

The Banking Reality

Here’s what fascinates us about how banks think about EVA:

• They focus on keeping their capital working in multiple places
• They understand that efficiency and volume matters more than rate of return
• They create systems where their money has multiple jobs

Your Money Should Never Stop Working

With The Ultimate Asset™, you can finally put EVA to work for you instead of against you. When you borrow against your policy:

• Your entire cash value keeps growing tax-free
• You maintain access to future capital
• Your money works two jobs simultaneously

Borrowing against your policy’s cash value isn’t just about returns, but about never letting your money take a day off. Just like banks, you can keep your capital working for you continuously, creating wealth in multiple places at once.

See how The Ultimate Asset® lets you grow wealth in two places at once, unlike traditional financing methods

The Cash Method: Back to Zero

When you use cash, the story is simple. You save $50,000 for a down payment on a rental property. Once you spend it, that money stops working for you. Sure, you have the property, but the $50,000 you saved is gone—back to zero.

The Loan Method: Pay to Get Even

If you take out a traditional loan, you’re actually moving backwards. You borrow $50,000 from a bank, and spend years making payments with interest just to get back to even. All while the bank makes money on your effort.

The Ultimate Asset® Method: Growth in Two Places

But what if you could keep your money growing while using it at the same time? This is where The Ultimate Asset® changes everything.

Here’s how it works:

• Your $50,000 sits in your high cash value whole life policy, growing tax-free with guaranteed returns
• You borrow against this cash value to buy your rental property
• Your entire $50,000 continues earning compound interest and dividends, exactly as if you never touched it
• The rental property generates income to pay back your policy loan
• You end up with both the property AND your growing cash value

Think about that: Instead of going back to zero or paying to get even, you’re building wealth in two places simultaneously. This is exactly how banks multiply their money—and now you can do the same with the Asset Multiplier Blueprint.

Asset Multiplier Blueprint Using The Ultimate Asset™

Here is a visual showing the Asset Multiplier Blueprint that shows how to use the Ultimate Asset to buy more assets. Then wash, rinse, and repeat.

The Asset Multiplier Blueprint: How to use your policy’s cash value to acquire assets while your money keeps growing

Designing The Ultimate Asset™

The Power of Proper Structure

Most people misunderstand what makes The Ultimate Asset® so powerful. The key is how you structure it. The ultra-wealthy use specific design elements that transform this from a simple financial tool into a sophisticated wealth-building machine.

Think of it like building a high-performance engine. Every component matters. The wealthy focus on:

Maximum Early Cash Value

Instead of waiting decades for benefits, proper structure provides significant accessible capital within the first few years. The focus is on strategic design. We want to prioritize cash value accumulation and minimize the death benefit. This is done by adding certain riders to the policy, mainly a paid up additions rider and a term rider.

Optimal Premium Structure

By using advanced funding techniques, you can maximize growth while maintaining flexibility. No more being locked into rigid payment schedules or sacrificing performance. Instead, you will have a minimum and maximum premium amount you can pay into your policy, that will vary greatly, providing maximum premium flexibility.

Tax-Free Leverage

The wealthy understand that accessibility without tax consequences creates true financial freedom. Your money grows tax-free, and you can access it tax-free. Take out a policy loan and use it to buy other assets, while your entire cash value balance still earns interest and dividends as if you never touched it.

Avoiding Modified Endowment Contracts (MECs)

Proper structuring ensures your policy maintains full tax advantages while maximizing performance. This requires expertise in the technical rules governing life insurance taxation—specifically the 7-pay test under IRC Section 7702. A qualified advisor will design your policy to maximize funding while staying safely below MEC limits.

Common Misconceptions: What Most People Get Wrong

You can see our comprehensive list of commonly asked question and objections. Here are a few of the most common:

“Whole Life Insurance Is Too Expensive”

But what does “too expensive” really mean? Unlike term insurance that becomes prohibitively expensive as you age, The Ultimate Asset® locks in your costs forever. More importantly, it’s not about cost—it’s about what you get in return. When properly structured, your premium builds a foundation of guaranteed growth and tax-free access that no other asset can match.

“The Returns Are Too Low”

Banks don’t stockpile $200+ billion of low-return assets. In a properly structured policy, you typically see returns around 5%—tax-free. But here’s what most people miss: rate of return is only part of the equation. It’s also about:

• Guaranteed growth regardless of market conditions
• Tax-free accumulation and access
• The ability to use your money while it continues growing (Velocity)
• Front-row capital access before inflation hits
• Additional dividend payments from century-old companies

Most importantly: This comparison misses the point entirely. You’re not replacing your stock portfolio—you’re replacing your checking account, savings account, and banking infrastructure. Then you invest aggressively on top of that foundation.

“You’re Locked Into High Premiums”

This is perhaps the biggest myth. With proper structure, you maintain complete flexibility. You can adjust your premiums between a minimum and maximum range, while your money continues growing. For example, we recently designed a policy for a 30 year old where the minimum monthly payment was as low as $500, with a maximum as high as $5,000. That is a ton of flexibility.

“It Takes Too Long to Access Your Money”

Another misconception that comes from looking at traditional policies. In a properly structured Ultimate Asset™, you can access your capital within the first month. By year 3-4, many policies have cash value equal to premiums paid. Compare this to retirement accounts that lock away your money for decades. And by year 10, you could be getting an internal return that is much higher than your premium payment.

From our example above, we did a policy recently that had $25,000 annual premiums but in year 10 the cash value grows $37,000. And by year 16, the premium due is $25,000 but the cash value growth is over $50,000, providing a cash on cash return of over 100%.

“Only Insurance Agents Promote This”

Look at who actually owns these policies:

• Major banks holding over $130 billion
• Fortune 500 companies
• Wealthy families who’ve used this strategy for generations
• Sophisticated investors seeking tax-free growth

And at I&E, we design these policies so that they accumulate the most cash value with the lowest commissions. Proper policy design is not about getting your agent rich, but providing you with the best policy based on your goals.

“Infinite Banking Requires Too Much Discipline”

Infinite Banking works best with discipline because repaying policy loans ensures your cash value and death benefit grow. Skip repayments, and you might reduce your death benefit, missing the recapture phase. But here’s the “sleep-easy” part: unlike market investments, your principal never shrinks, and you set your own terms. There’s no risk of losing everything in a crash—just steady growth you control.

“Buy Term and Invest the Difference (BTID) Is a Better Choice”

BTID might sound good, but less than term policies rarely pay out—most people just throw premiums away. And “invest the difference”? Most don’t, and those who do face market volatility, fees, and future tax uncertainty. The Ultimate Asset® gives you a guaranteed death benefit, tax-free cash value, and peace of mind—your family’s future is secure, whether you pass at 75 or 105.

Your Strategic Implementation Guide

Foundation First

Start with as little as $500 monthly. This is the opposite of getting rich quick. It’s about building an unshakeable financial foundation that banks and wealthy families have relied on for generations.

Phase 1: Strategic Growth Phase (Years 1-4)

Your policy begins working immediately providing you with:

• Guaranteed tax-free growth (Pillar #1: Volume capture begins)
• Immediate access to capital
• Asset protection benefits
• Dividend potential from day one

Phase 2: Volume Building (Years 4-7)

As your policy grows, the volume of money you can use grows as well.

• Cash value equals or exceeds total premiums paid (typically years 3-4)
• Dividend payments accelerating
• Multiple use of money strategies available (Pillar #2: Velocity activation)
• Strategic leverage opportunities emerge (Pillar #3: Value Creation readiness)

Phase 3: Activate Velocity (Years 7+)

This is where everything accelerates. Use your growing capital for acquiring more assets, such as:

• Real estate acquisitions (your primary wealth vehicle if you’re in the 40-55% investor segment)
• Business expansion (working capital without bank scrutiny)
• Market opportunities (front-row capital access during crashes)
• Legacy building (generational wealth transfer)

Scale Your System: Most of our sophisticated clients don’t stop at one policy. They add 2-3 more as cash flow allows, moving toward 25% → 50% → eventually 100% of income flowing through their Volume-Based Banking system.

Finding the Right Professional for Your Ultimate Asset™

The success of your Ultimate Asset® strategy depends heavily on proper implementation. Not all financial professionals or insurance agents have the specialized knowledge to design these policies correctly. Here’s how to ensure you’re working with a qualified expert who can maximize your results:

Key Qualifications to Look For

Red Flags to Watch For

Be cautious of professionals who:

• Push for a quick decision without thoroughly explaining policy design
• Cannot clearly explain how the policy avoids MEC (Modified Endowment Contract) status
• Recommend the same exact structure for everyone regardless of individual circumstances
• Focus primarily on death benefit rather than cash value accumulation
• Avoid discussing specific numbers or showing complete policy illustrations
• Can’t demonstrate a track record of designing policies specifically for the infinite banking strategy

Questions to Ask Potential Advisors

1. “How many years have you been specifically designing policies for infinite banking or The Ultimate Asset® strategy?”
2. “What percentage of your practice is dedicated to this specialized approach?”
3. “Can you show me before/after examples of how you’ve minimized commissions to maximize client cash value?”
4. “How do you stay current with policy design innovations and company offerings?”

Remember: The difference between a properly structured policy and a traditional one can mean hundreds of thousands of dollars in accessible cash value over your lifetime. Taking time to find the right professional is essential to your financial success.

Taking Control of Your Financial Future

Let us share something that changed our perspective entirely. As estate planning attorneys, we watched client after client struggle with the same problem. They were successful, smart, and doing everything “right” according to conventional wisdom. Yet they felt trapped—their money either locked away in retirement accounts or exposed to market volatility.

Then we discovered what our wealthiest clients were doing differently.

They weren’t in the back row hoping inflation wouldn’t destroy their savings. They positioned themselves in the front row—accessing capital before inflation hit, deploying to productive assets, capturing volume on their entire cash flow.

Your Path to Financial Independence

The first step is a private Strategy Session. Rather than a high-pressure sales pitch, we’ll have a thoughtful conversation about:

• Where you are now financially
• What you want your money to do for you
• How to structure your Ultimate Asset® for maximum benefit
• Specific strategies that match your goals and investor DNA
• How the Three Pillars (Volume, Velocity, Value Creation) apply to your situation

What You’ll Discover

During our time together, you’ll learn exactly how to:

• Design your policy for maximum early cash value
• Create tax-free income streams
• Position yourself in the front row for capital access
• Deploy strategically to productive investments aligned with your expertise
• Protect your assets from market volatility
• Build a legacy for generations

And our gift to you. Grab a free copy of The Ultimate Asset®—our comprehensive eBook that reveals exactly why high cash value whole life is the Ultimate Asset.

The Ultimate FREE Download

The Ultimate Asset™

How Whole Life Insurance Provides Predictable, Guaranteed Growth.

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The Choice Is Yours

Right now, you have a decision to make. You can continue following conventional financial wisdom—locking away your money, hoping markets cooperate, paying unnecessary taxes, and sitting in the back row while inflation erodes your purchasing power.

Or you can take control.

The same strategy that banks use to build billions… that wealthy families use to create lasting legacies… that sophisticated investors use to protect and grow their wealth—it’s available to you today.

The Cantillon Effect will continue concentrating wealth among those with “front row” access to capital. The only question is: Are you positioned in the front row or the back row?