Richard CanfieldPodcast Host and IBC Advisor, Ascendant Financial · Authorized Infinite Banking Practitioner | Author of 4 Books

IUL vs. Infinite Banking: What's the Difference? #shorts

12 Aug 2026 · 1 min

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Richard Canfield explains how to prepare for a conversation about infinite banking with your IUL policy. Write down your questions, email your policy statement to your advisor beforehand, and tell them upfront the meeting is about infinite banking, not standard insurance.

Chapters

What do you do if you have an IUL and you're exploring infinite banking? What should they do next? What's the next step? Well, number one, you should write down what are your key questions. You need to make sure you show up to that meeting with a statement, or better yet, you email the advisor you're going to be working with, who's going to— you're going to have that meeting with, send them the statement in advance and say, hey, I'm interested in the infinite banking concept. I want to explore that, but I have this already and I have questions and concerns about it. Can you provide me some guidance? So it's like, there's a difference between having an insurance conversation and having an infinite banking conversation.