It can feel like a bigger commitment up front, but the goal isn’t short-term. With IBC, you’re putting money into a place you own and control. In the early years, you’re building the foundation of your policy. Over time, that foundation grows into an asset you can use again and again for funding opportunities, emergencies, or retirement. You’re not losing money to fees, you’re creating long-term value and control.

Not at all. Here are the key differences:

1. Access: With a 401(k), you usually can’t touch your money until age 59½ without penalties. With IBC, you can use your money right away.
   

2. Growth: A 401(k) depends on the stock market. IBC grows at a steady, guaranteed rate.
   

3. Market risk: With IBC, your cash value doesn’t go down if the market crashes.
   

4. Taxes: Money borrowed from your IBC policy is tax-free and on your terms.
   

A 401(k) is built for later. IBC gives you control now and in the future.

Yes. You can typically get access to your cash value within about one week of making a deposit. The money is available to use for whatever you need, while your account continues to grow in the background. You decide when and how to pay it back.

Traditional accounts are designed for later. IBC is designed for flexibility. Your money stays liquid, grows at a guaranteed rate, and is available without waiting decades or taking on market risk. You remain in control!

IBC works well for people who want more control over their money. Business owners use it for cash flow and opportunities. Families use it for safety, savings, and future expenses. High-income earners use it to protect and grow wealth without market swings. If you value flexibility, steady growth, and keeping money in your hands, IBC may be a fit.