All of our plans have a written contractual guarantee that your rate of return will be between 3.25% and 4.0%. You will know exactly the amount of money you will have years in the future. In addition, optional dividends often add extra money on top of the guaranteed return.

Our accounts are contractually guaranteed to always grow in value, regardless of what is happening in the market. Properly structured Infinite Banking policies will never lose value and are guaranteed to increase, regardless of the market, the economy, or government policy.

As a client with Wellington Capital Reserve, you have guaranteed access to your money when you need it. By borrowing against your own account, you never have to go through a loan application process to obtain cash. Traditional impediments such as credit score, debt-to-income ratio, and proof of current employment/income are not needed to receive a loan. You are in charge and you decide.

When you take out a loan from a traditional bank, you're expected to repay your loan in rigidly structured installments. With privatized banking, you can eliminate those unhelpful structures and repay your loan at the pace that makes sense to you.

Infinite banking policies are immediately LIQUID - you always have fast access to your cash. Because you are always making money on the total amount, you have USE of your money without depleting your capital. You can have your savings and use it, too! You keep CONTROL of your own personal economy. You have access to your money and it is always there, always growing, regardless of market changes, interest rates, stock prices, or other changing conditions.

A cost-free benefit, Living Benefits allow you, under certain conditions, to access the death benefit as a living benefit. This means you can directly control how the money is spent if you are diagnosed with a terminal illness, chronic illness, or critical injury.