Infinite Banking generates higher rates of return on real estate investments with less risk.

Infinite Banking is a smarter way to operate a real estate investment business, because it:

  • Provides you with a guaranteed line of credit
  • Generates a 5% return on your operating capital
  • Protects your capital from creditors

Infinite Banking is both easier and more profitable for managing cash flow than traditional banking. With a conventional savings account, your operating capital simply isn’t working as hard as it could. Moving that capital to a whole life policy doesn’t just higher interest rates than a savings account; the growth from interest and dividends is also tax free.

When you’re ready to finance an investment – there are no hoops to jump through to get a loan. The application and approval processes are simple, streamlined, and speedy. You don’t have to justify the investment or provide other financial documentation. And, because you’re borrowing against your policy instead of liquidating it, your capital will continue to grow uninterrupted – while you continue to grow your business. These accounts are also private, which offers your business a higher level of protection as your operating capital will not be vulnerable to creditors.

Infinite Banking maximizes return on investment.
When you buy an investment property, let’s say you use your own capital for the down payment, borrow the rest through a traditional loan, and then renovate the property with your own money. If you sell the home after five years, your rate of return depends on how much the property has increased in value, minus the cash you’ve invested.

With Infinite Banking, instead of using your own money for the down payment and renovations, you borrow it from your insurance carrier, using your life insurance policy as collateral. In this scenario, your rate of return will be significantly higher, because there’s no opportunity cost. As the value of your investment property grows, so does the cash value of your policy, because it has continued accruing interest and dividends without interruption.

Let Tier One Capital of Georgia, LLC show you how to get a better return on your real estate investments with Infinite Banking.


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For decades insurance has been a necessary evil – a piece of financial protection that wise individuals won’t live without. And while it’s always been considered part of “financial planning”, most of the planning relates to the individual becoming disabled or meeting an untimely death and making arrangements for the family’s financial security if the unthinkable occurs.

Now families, individuals and business owners can add insurance products to their active financial planning tool kits –to improve their lifestyles, to increase their own net worth, and to enjoy life and prosperity even while they plan for retirement.

Learn more about the Circle of Wealth and the positive impact insurance products can have right now — not only when the unthinkable happens.

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    Tier One Capital of Georgia, LLC is an Atlanta-based agency advising clients on purchasing health, life, and disability insurance coverage, long-term care coverage, as well as customized plans for their financial future. InsurAtlanta brings more than two decades of extensive experience in long-term insurance and retirement planning for individuals, professionals, small business owners and families.

    Tier One Capital of Georgia, LLC's Howard is both a Chartered Life Underwriter® (CLU), offering expertise on risk management to clients on topics like financial planning, insurance law, estate planning, and business planning; and a Chartered Financial Consultant® (ChFC), focusing on financial planning disciplines, including insurance, income taxation, retirement planning, investments and estate planning.