Infinite banking is a financial strategy where an individual uses a hybrid investment vehicle/life insurance policy as their own personal bank. This proven strategy is a methodology of redeploying your cash flow and liquidity to create continuous compounding from your funds, even if they’re borrowed. Anything you want including major expenses, family emergencies, automobiles and strategic investments are funded by borrowing against your infinite banking system that's designed with specific riders to enhance cash value. This method can provide higher returns compared to traditional savings accounts and give the individual more control over their financial future, and flexibility in borrowing and lending money. Additionally, the policy if set up correctly can also be used to recapture wealth that would have been lost through certain wealth eroding factors such as interest on debt and depreciation of assets, such as an automobile.
We understand the importance of having a secure financial future.
In today's world, it's more important than ever to take control of your financial life and become your own bank. By taking control of your financial situation, you can benefit in many ways. You can avoid the fees and restrictions often associated with traditional banking, and you can choose alternative financial solutions that better align with your values and goals.
Traditional banks offer various financial services such as checking and savings accounts, loans, and investment products. They make money by charging fees for their services and by investing customer deposits. These fees can include monthly maintenance, ATM usage, overdrafts, wire transfers, account closure, and inactivity. Additionally, traditional banks make money by the difference in interest rates they charge customers and borrow at, known as the "spread". It's important to be aware of the fees and restrictions associated with traditional banking when making financial decisions.
John Femiano specializes in life insurance solutions designed to help clients build financial strength, protect what matters most, and pass down wealth to future generations.
John and his team are trusted by high-net-worth individuals, professionals, and hardworking blue-collar families alike. They believe that everyone deserves access to smart, personalized insurance planning — especially when it comes to protecting their family’s future. From traditional life insurance to advanced strategies like the Infinite Banking Concept, John and his team help clients create private financial systems that grow steadily over time, offer tax-advantaged access to capital, and provide lifelong protection.
John Femiano and his affiliated agencies are independent insurance professionals. That means they are not tied to any single insurance company — and that independence allows them to: Offer unbiased recommendations, Compare options from top-rated carriers. Design strategies that truly fit your unique goals, not a corporate quota
When you work with John’s team, you’re not just buying a policy — you’re gaining a partner who works for you, not the insurance companies.
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