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

The Biggest Risk in Infinite Banking: Choosing the Wrong Guide

8 Oct 2025 · 1 min

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Richard Canfield warns that the biggest risk in Infinite Banking is choosing the wrong guide. Judge competence by client outcomes, like agents paying high annual premiums. Ask for at least 100 client testimonials before committing.

Chapters

So one of the risks with the infinite banking concept is not having a competent guide. And there are so many great competent guides out there. And when we developed that standard to say we're not just going to introduce the concept, get somebody to clarity, get a policy or ideally a system of policies in place, and then just talk to them when they reach out to us. If your agent is paying 100,000 a year in premium, well, they must be remarkably proficient at the infinite banking concept. You the infinite banking concept is a process, not a product. So what I would ask for, I would ask for a sample size of client testimonials. 100 or more would be a sufficient sample size.