Infinite Banking sounds like it's too good to be true, but it is not. This is not a get-rich-quick scheme. IBS requires time, discipline, and self restraint, or a damned good financial planner/insurance agent/attorney. This strategy will facilitate personally financing every major purchase a person needs to make in their entire life, and will leave their beneficiaries massive wealth afterwards. It is an inter-generational wealth building mechanism, if managed correctly.