Most people think life insurance only pays when you die. At Schweivensky Metellus, we build policies that give you three things: a death benefit for your family, living benefits you can access during illness, and tax-free cash value that grows for life. One policy. Three benefits. -owned brokerage serving families nationwide.
Free. No obligation. Takes less than 2 minutes.
One properly structured policy that gives you three things most people don't know they can get — a death benefit, , and tax-free cash value growth.
Your family gets a tax-free payout if something happens to you. Income replaced. Debts covered. Security guaranteed.
If you're diagnosed with a critical, chronic, or terminal illness, you can access your death benefit while you're alive. No extra cost with most carriers.
Protected under IRS Code §7702 and §101(a), your policy builds cash value that grows tax-deferred. Borrow against it tax-free for anything — no credit checks, no bank approval, no penalties.
An is the engine behind the Trifecta for many of our clients. Here's how it works in plain English.
Your cash value earns interest based on how a market index (like the S&P 500) performs. But you're NOT in the stock market. The insurance carrier credits your account based on index movement.
A 45-year-old contributing $12,000/yr into a properly structured IUL can historically project a strong tax-free income stream in retirement. (Projections vary by age/health and are based on historical index performance)
As your cash value grows, you can take tax-free policy loans for anything — a car, a business, an emergency, college. No credit check. No bank. No penalties.
The wealthy have used life insurance as a banking system for over 100 years. Here's why — and how you can too.
Right now, when you need money, you go to a bank. They charge you interest, and that interest goes into their pocket. With , you borrow against your own policy instead. The interest you pay goes back into your cash value — not to a bank.
Think about how much interest you pay over your lifetime — car loans, mortgages, credit cards, business loans. What if you could redirect that interest back to yourself? That's the power of .
A proven wealth strategy used by families, entrepreneurs, and corporations for over 100 years.
Infinite banking is a financial strategy where you use a specially designed cash value life insurance policy as your own personal banking system. The concept was formalized by Nelson Nash in his book Becoming Your Own Banker (2000), though the underlying principles — using whole life insurance as a capital reserve and lending system — have been employed by wealthy families like the Rockefellers for generations.
Here's how it works: instead of depositing money into a bank savings account (where you earn minimal interest while the bank lends your money at much higher rates), you fund a properly structured whole life or IUL policy. As your policy builds cash value, you can borrow against it for any purpose — a car, a home, business capital, emergencies — through tax-free policy loans. Your cash value continues to compound even while you have loans outstanding, meaning your money works in two places at once.
The strategy is designed around paid-up additions (PUA) riders that accelerate early cash value growth. Most people start with annual premiums between $5,000 and $25,000, and begin seeing usable cash value within 1–3 years. By years 5–7, the compounding effect becomes significant. Unlike traditional banking, there are no credit checks, no loan applications, and no fixed repayment schedules — because you're borrowing against your own asset.
Infinite banking also comes with powerful tax advantages: cash value grows tax-deferred, policy loans are not taxable income, and the death benefit passes to beneficiaries income-tax-free. Combined with living benefits that let you access funds during critical, chronic, or terminal illness, it's not just a banking strategy — it's comprehensive financial protection.
Want to learn more? Read our complete guide to infinite banking, or explore the Rockefeller Method to see how the wealthiest families in history used these same principles.
This is the benefit that surprises most people. Your life insurance can pay you while you're alive.
A qualifying critical illness triggers a tax-free lump-sum payment from your death benefit.
If you can no longer perform daily living activities or have severe cognitive impairment, your policy steps in.
A terminal diagnosis (12-24 months) unlocks a significant portion of your death benefit immediately.
Living benefit riders are included at no extra cost with most carriers we work with. Details vary by carrier and state.
The right tool depends on your goals. We'll help you determine which fits best for your situation.
Both are permanent. Both build cash value. Both offer . We'll help you pick the right one.
We get it. This sounds different from what you've been told. Let's address the elephant in the room.
No. Schweivensky Metellus is a licensed, independent insurance brokerage. Every carrier we work with — National Life Group, Nationwide, Mutual of Omaha, and others — is A-rated and regulated by state insurance departments. We have a 5.0 Google rating, have helped 500+ families, and we're backed by AmeriLife, one of the largest insurance distribution companies in America. Your money goes to the insurance carrier, not to us.
It sounds that way because most people have never been taught about these strategies. Cash value life insurance, , and tax-free policy loans aren't new — they've existed for over 100 years. The Rockefellers, Walt Disney, and J.C. Penney all used them. Banks use them right now on their own balance sheets. The information just hasn't been widely shared — because Wall Street and banks don't profit when you use these tools.
Because the people who profit from the traditional financial system — banks, Wall Street firms, 401(k) managers — don't make money when you put your wealth into a life insurance policy. Your financial advisor gets commissions on mutual funds and 401(k) plans. They have zero incentive to tell you about a strategy that moves your money out of their control. But the wealthy have always known.
The honest answer: these policies work best when they're properly structured and held long-term (10+ years for maximum cash value). They're not get-rich-quick schemes. They're wealth-building tools that compound over time. If you need immediate liquidity or are looking for short-term gains, this isn't the right fit — and we'll tell you that upfront. We only recommend strategies that genuinely serve you.
If any of these describe you, this strategy could change your financial future.
You have people who depend on you. You want coverage that protects them if you die AND helps you if you get sick.
Truck drivers, tradespeople, and blue-collar workers who carry real physical risk and deserve real financial tools.
You want to build wealth on your terms, reduce tax exposure, and create a financial system you control — not the bank.
You've heard about becoming your own bank or the Rockefeller Method and want to learn how it actually works.
We don't work for an insurance company — we work for you. As an independent brokerage, we are fully licensed and contracted with dozens of the nation's top A.M. Best 'A' rated carriers across all 50 states. We analyze your unique goals and shop the entire market to custom-build the most efficient wealth and protection strategy for your family. No bias, no quotas, just the best available options designed specifically for your financial situation.
It's a strategy where you use a properly structured life insurance policy as your own personal bank — depositing money, borrowing against it, and building tax-free wealth over time.
An policy builds cash value linked to a market index (like the S&P 500) with a guaranteed 0% floor. You get upside growth potential with zero downside risk. Cash value grows tax-deferred and is accessible via tax-free policy loans.
Yes. Policy loans from a cash value life insurance policy are tax-free and don't require credit checks or bank approval. There are no early withdrawal penalties like a 401(k).
Regular term insurance only pays out when you die. This strategy gives you a death benefit, , and a growing cash value you can use anytime.
Living Benefits are accelerated death benefit riders that fundamentally transform life insurance from a death-only payout into a critical asset protection tool. Under IRS tax code, if you are diagnosed with a qualifying critical, chronic, or terminal illness (such as cancer, heart attack, or stroke), you can accelerate a significant portion of your death benefit while you are still living. This provides a massive, tax-free lump sum of cash that can be used unconditionally—whether to replace lost income, cover experimental medical treatments, or pay off your mortgage—protecting your family's savings from being decimated by healthcare costs. Unlike traditional health insurance that pays the hospital, Living Benefits pay YOU directly.
Anyone earning $75K+ who wants to protect their family, build tax-free wealth, and take control of their finances. Business owners, professionals, and families.
Health insurance pays hospitals and doctors. pay YOU — a tax-free lump sum you can use for anything: bills, mortgage, lost income, or whatever you need.
No. Life insurance policy loans don't require credit checks. Your policy is the collateral.
With a savings account, you earn minimal interest and the bank lends your money to others at high rates. With , your cash value grows tax-free, you borrow against it on your terms, and your money keeps compounding even while you use it.
Yes — when implemented correctly. The Concept was introduced by Nelson Nash and has been used successfully for decades. The key is a properly designed policy that maximizes cash value growth, not commissions. Wealthy families and major corporations have used this strategy for over 100 years.
Most people start with $5,000–$25,000 per year in premiums ($400–$2,000/month). The policy is designed with paid-up additions to maximize cash value. Your budget, age, and goals determine the right level — we'll build a custom plan in your free strategy session.
The main risks are policy lapse if premiums aren't maintained (especially the first 5-7 years), over-borrowing against cash value, and working with an agent who prioritizes their commission over your cash value. It requires discipline and long-term commitment — it's not a get-rich-quick scheme.
No — is completely legal. It uses regulated, A-rated life insurance policies. Tax-deferred growth, tax-free policy loans, and tax-free death benefits are all established features of life insurance under the IRS tax code (IRC §7702 and §101). Fortune 500 companies use the same principles.
An Indexed Universal Life (IUL) policy protects your capital by linking your interest yield to an external market index (like the S&P 500), rather than directly investing your money in the stock market. Mathematically, this creates a 0% Floor and an Uncapped (or high-capped) Ceiling. For example, if the S&P 500 drops -30% during a recession, your IUL cash value locks in at 0%—meaning you lose $0 of your principal and past gains. If the market rebounds +20% the following year, your account participates in the upward growth (e.g., up to a 10% cap). This asymmetric risk profile eliminates sequence-of-returns risk mathematically.
Many of our carriers offer no-exam or simplified underwriting options. Some policies require a basic health questionnaire. We'll find the best path based on your health profile.
We're independent (not captive to one carrier), -owned, have a 5.0 Google rating, and have helped 500+ families. We educate first and never pressure. If it's not the right fit, we'll tell you.
We're an independent, -owned life insurance brokerage. We shop multiple A-rated carriers to build the right strategy for your family — not push one company's product.
Access your death benefit while you're alive if diagnosed with a critical, chronic, or terminal illness. Built into the policy at no extra cost with most carriers.
Use a properly structured or whole life policy as your own personal bank. Borrow against your cash value tax-free, no credit check, no bank approval.
Growth tied to market indexes with downside protection — your cash value never loses to market drops. Tax-free accumulation and flexible premiums.
Guaranteed death benefit, guaranteed cash value growth with whole life. Affordable term coverage when budget protection is the priority.
Build a tax-free income stream for retirement using cash value life insurance. No contribution limits like a 401(k). No required minimum distributions.
The same wealth strategy used by the Rockefellers, Walt Disney, and Ray Kroc. Build generational wealth through properly structured life insurance.
Answers to the most common questions about IUL, , and Living Benefits.
It's a wealth strategy where you use a properly structured life insurance policy as your own personal bank — depositing money, borrowing against it tax-free, and building compound wealth over time without interrupting the growth of your principal.
Yes. Policy loans from a cash value life insurance policy are tax-free and don't require credit checks or bank approval. You access your equity under IRC Section 7702 completely free of the 10% early withdrawal penalty applied to IRAs or 401(k)s.
Regular term insurance only pays out when you die. Infinite Banking and IUL policies give you a death benefit, living benefits, and a growing cash value you can use anytime while you are alive.
Living Benefits are accelerated death benefit riders that fundamentally transform life insurance from a death-only payout into a critical asset protection tool. Under IRS tax code, if you are diagnosed with a qualifying critical, chronic, or terminal illness (such as cancer, heart attack, or stroke), you can accelerate a significant portion of your death benefit while you are still living. This provides a massive, tax-free lump sum of cash that can be used unconditionally—whether to replace lost income, cover experimental medical treatments, or pay off your mortgage—protecting your family's savings from being decimated by healthcare costs. Unlike traditional health insurance that pays the hospital, Living Benefits pay YOU directly.
An IUL is a permanent life insurance policy that builds cash value linked to market index performance (like the S&P 500) with a guaranteed 0% floor. You participate in market gains without risking market losses. If the market crashes, you stay at zero, preserving all your principal and prior gains.
No. Schweivensky Metellus is a licensed, independent insurance brokerage. We work with A-rated, highly-regulated carriers like National Life Group, Nationwide, and Mutual of Omaha. Policy loans and tax-deferred cash value growth are established functions of the IRS tax code (IRC §7702) that banks and corporations have used legally for over a century.
I help American families protect their wealth and achieve financial sovereignty. I specialize in custom-tailoring policies so you can break free from the traditional banking system and proactively safeguard your legacy.
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Everything we offer — explained in plain English.
Real answers to the questions our clients ask most.
How your cash value actually grows, how participation rates work, and why the 0% floor protects your wealth from market crashes.
How investors use tax-free policy loans to fund deals without interrupting their compound interest growth.
The complete guide to becoming your own bank — how the concept works and who it's actually designed for.
Why high-value business buy-sell agreements require life insurance funding to protect operations and equity.
An honest breakdown of the criticisms, the reality, and who is truly beneficial for.
A side-by-side comparison of tax treatment, liquidity, risk, and long-term wealth building potential.
Understand every term — no jargon, no confusion.