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

The Real Risk in Infinite Banking (It’s Not What You Think)

6 Oct 2025 · 1 min

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A short segment from Richard Canfield's YouTube video 'The Real Risk in Infinite Banking (It’s Not What You Think)' warns that borrowing against cash value in infinite banking is an unstructured loan that poses significant risk primarily due to human behavior. The speaker stresses that while having control over repayments is an advantage, lack of discipline or business-like management can lead to failure, and individuals are personally accountable (citing Nelson's admonition in his book).

Chapters

Words have meaning, right? And so if the policy owner says, I understand that I'm going to be borrowing against cash value, which is, again, is not money, and I can repay the loan on my schedule, it's an unstructured loan that can represent a significant risk. On one hand, it's an advantage. But having total and absolute control, without discipline and without a real understanding of what it takes to run this like a business, that represents a significant risk. And Nelson expressed in his book, he said, look, if you find yourself in a situation where you've done that and you haven't repaid your loans, don't you go pointing the dirty end of the stick at anybody else. You're accountable for that. So the risk is the human behavior.