How to Start Infinite Banking for Your Child Before They Turn 18

Imagine your child growing up with a financial safety net, investment capital, and the ability to fund their own dreams without relying on banks, student loans, or credit cards. This isn’t a fantasy—it’s the power of Infinite Banking, and you can start it before your child even turns 18.

Infinite Banking is a wealth-building strategy that allows families to use whole life insurance as their own bank, giving kids a debt-free future, financial independence, and a head start in life.

📌 Why Start Infinite Banking for Your Child?
✔ Creates generational wealth that grows over time
✔ Teaches financial responsibility early
✔ Provides tax-free cash for investments, business, or education
✔ Gives them control over their own money—without relying on banks

By the time your child becomes an adult, they could have tens of thousands of dollars in cash value ready to be used for college, real estate, or business ventures. Let’s dive into how you can start Infinite Banking for your child today.

1. What Is Infinite Banking, and How Does It Work for Kids?

Infinite Banking is a financial strategy where you use whole life insurance to build cash value that grows over time. Instead of putting money into a savings account (where it earns almost no interest), you store money inside a whole life insurance policy and borrow against it whenever needed.

📌 How It Works:
1️⃣ You buy a whole life insurance policy for your child.
2️⃣ The policy builds cash value that grows tax-free.
3️⃣ Your child can borrow against their policy to fund their future (college, business, real estate, etc.).
4️⃣ The money is paid back on their own terms, with interest going back to themselves—not the bank.

💡 Instead of saving money in a regular bank account, your child gets an account that grows wealth and creates financial freedom!

📍 Example:

• A parent funds a whole life insurance policy for their 5-year-old.

• By age 18, the child has $50,000 in cash value.

• Instead of taking out student loans, they borrow from their policy and pay themselves back.

💡 This strategy gives kids financial independence before they even become adults!

2. Why Whole Life Insurance is Better Than a Traditional Savings Account

Most parents save money for their kids in regular savings accounts, but these accounts barely earn interest and don’t offer the financial benefits of Infinite Banking.

📌 Why Whole Life Insurance is a Better Option:

💡 Instead of letting banks control your child’s future, you give them full control over their wealth!

3. How to Start Infinite Banking for Your Child Before 18

The earlier you start Infinite Banking, the more powerful the strategy becomes.

📌 Step-by-Step Guide to Setting Up Infinite Banking for Your Child:

Step 1: Purchase a Whole Life Insurance Policy

✅ Choose a policy with high cash value growth.
✅ Make sure it has dividend payments (this helps it grow even faster).
✅ The younger your child is, the cheaper the premiums will be.

📍 Example:

• A parent buys a $250,000 whole life policy for their newborn.

• They contribute $100/month to the policy.

• By the time the child is 18, they have $40,000 in cash value ready to use.

Step 2: Fund the Policy Like a Savings Account

✅ Instead of saving money in a bank, add funds to the policy every month.
✅ The more you put in, the faster the cash value grows.
✅ Use annual dividend reinvestments to boost growth.

📍 Example:

• Instead of putting $200/month into a traditional savings account, you put it into the whole life policy.

• After 18 years, the cash value has grown tax-free and can be used for anything!

Step 3: Teach Your Child How to Borrow Against Their Policy

✅ When your child is ready to make big financial moves, they can borrow from their own policy.
✅ The loan is not reported to credit agencies and is repaid on their terms.
✅ This keeps all the money in the family—no banks needed.

📍 Example:

• A child turns 21 and wants to start a business.

• Instead of taking a bank loan, they borrow $30,000 from their policy.

• They use business profits to pay it back—keeping the money in their family!

💡 This teaches kids financial independence and wealth-building skills early.

4. The Best Ways Kids Can Use Their Policy Loans

📌 Top Ways Kids Can Use Their Cash Value Policy:

✔ College Tuition – Graduate debt-free.
✔ Start a Business – Fund their own company.
✔ Real Estate Investing – Buy rental properties early.
✔ Travel & Life Experiences – Fund study abroad programs.
✔ Emergency Fund – No need for high-interest loans.

📍 Example:

• A teen borrows $15,000 from their policy to start an online business.

• They repay the loan using business profits and grow their wealth even more.

💡 By using life insurance, kids can start adulthood financially free!

5. The Power of Generational Wealth: Keeping Money in the Family

Wealthy families don’t just save money—they pass it down. Infinite Banking allows families to:

✔ Build wealth that lasts for generations
✔ Create a family banking system—no outside lenders needed
✔ Ensure financial security for children and grandchildren

📍 Example:

• A family funds life insurance policies for each child.

• Each child grows up with their own financial system instead of relying on banks.

• The wealth is passed down to future generations—tax-free.

💡 This is how families build and maintain generational wealth!

Conclusion: Start Infinite Banking for Your Child Today!

Most families don’t teach kids about money, and as a result, they grow up relying on banks, loans, and credit cards.

By setting up Infinite Banking for your child today, you give them:

✅ A debt-free future
✅ Investment capital before adulthood
✅ Financial independence—without banks
✅ A legacy of generational wealth

And the best part? You can start right now!

🚀 Download Nevaeh’s Wealthy Insurance Policy – Instant Digital eBook! 🚀

📚 A fun and educational guide on how life insurance builds generational wealth!
💰 Perfect for teaching families how to start Infinite Banking!

👉 Click here to get your instant digital download now!
🔗 www.childrentowealth.com/product-details/product/nevaehswealth

Give your child the ultimate financial head start today! 🚀💰