How Stable Are These Insurance Companies?

How Stable Are These Insurance Companies? Who Do You Really Want to Loan Your Money To?

Let’s flip the script for a second.

We’ve all been conditioned to trust the big-name banks. We direct deposit our paychecks, swipe our debit cards, and assume our money is “safe.” But here’s the real question:

Would you lend your money to a business that’s constantly changing CEOs, takes massive risks, needs bailouts every decade, and only pays you a fraction of a percent in interest?

Didn’t think so.

Yet that’s exactly what most of us are doing—parking our hard-earned dollars in traditional banks that aren’t actually structured for long-term stability or your financial growth.

Now, let me ask a different question:

What if you could "loan" your money to companies that have been profitable every single year they’ve been in business—for well over 100 consecutive years?

Welcome to the world of mutually owned dividend-paying whole life insurance companies. These are the financial institutions we use in the Infinite Banking Concept, and they are built differently—by design.

These companies are not publicly traded. They don’t answer to Wall Street. They don’t gamble with your money to chase quarterly earnings. They are mutual companies, which means they are owned by the policyholders—not stockholders.

When you own a participating whole life policy with one of these companies, you are a part-owner. And that means when the company has a surplus—when it earns more than it spends—you are entitled to a share of that surplus in the form of a dividend. And guess what? These companies have paid dividends for more than 100 straight years.

Think about what they’ve weathered:

• The Great Depression
• World Wars
• The 2008 Financial Crisis
• Dot-com bust
• COVID-19
• Inflation, recessions, and everything in between

And not once—not one year—did they fail to pay a dividend. That’s what real stability looks like. That’s what true stewardship of capital feels like.

So when people ask me, “Is this whole life thing safe?” or “How stable are these insurance companies really?”—my response is always the same:

Compared to what?

Compared to a bank? A tech startup? The stock market?

These companies operate with deep reserves, conservative investing strategies, and a laser focus on long-term solvency. They are some of the most heavily regulated financial institutions in the world—and for good reason. Their job is to guarantee life insurance death benefits decades into the future. That takes rock-solid risk management.

Here’s the truth most people overlook: Every time you put your money somewhere, you are “lending” it. Whether it’s to a bank, a business, or a brokerage firm—you’re trusting someone to steward it wisely. So you better know who’s holding the pen.

Mutual insurance companies have been the silent backbone of America’s wealthiest families for generations. The Rockefellers used them. Banks own billions in them under BOLI (Bank-Owned Life Insurance). And now, more and more everyday families are waking up to the reality that safety, liquidity, and growth don’t have to be separate goals.

When you leverage a specially designed whole life policy from one of these institutions, you’re not just buying insurance. You’re partnering with a financial institution that has proven it can weather any storm.

This statistic shocked me, and you need to read it; ​in 2022, U.S. consumers paid a record-high $130 billion in credit card interest and fees, according to a report by the Consumer Financial Protection Bureau (CFPB). Read that again.

So before you trust your future to an index fund, a bank that barely pays interest, or a market that could crash tomorrow, ask yourself:

Who do I really want to loan my money to?

Make sure they’ve earned that trust.

Your future deserves nothing less.