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

Why Do Clients Naturally Want to Grow Their System? #shorts #infinitebanking #finance

26 Aug 2026 · 1 min

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In this short commentary, Richard Canfield explains that people who are focused on expanding the capitalization of their family banking system naturally start looking for ways to generate additional premium dollars to fund new policies. This mindset leads many clients, within the first two to three years of building their system, to reach out to their coach for a strategy session. They often already have ideas about where extra money could come from—such as annual tax refunds, birthday or Christmas gifts, and contributions to a child’s education fund—that have not yet been allocated toward system growth. Canfield describes how these discussions revolve around reallocating those existing cash flows to create additional insurance policies, illustrating the client’s active focus on increasing capitalization.

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If your brain is attuned to the idea that you want to grow capitalization, you want to grow the size of your family banking system, then probability is your brain's looking for a way or a solution on how to find more premium dollars to go and create another policy. That's generally what happens. It's something that kind of takes place naturally for a lot of people. And so because of that, we have a lot of our clients that will reach back out to us and within the first 2 years or 3 years, They're often reaching out to their, their coach and saying, hey, I'm looking to expand my system. Can we get together for a strategy session and discuss it? And they'll already have an idea as to how they might be able to do that. So you know what, I realize every year I get a little bit of a tax refund, I realize that, you know, we get a bunch of money from for the kids for birthdays and Christmas, or we're putting money into a kid's education fund. And we haven't really allocated that to help grow our system. Can we readjust how we're running that money and see if we can't find a way to create another policy? So we get these fun discussions that come up because people are actively focusing on how do I grow and increase my capitalization.