Family Banking

Build a Family Bank That Supports Today, Protects Tomorrow, and Empowers Future Generations

Imagine a family financial system where:

• Every dollar works twice
• Your children inherit not just money — but a system
• Wealth grows tax-efficiently
• Money stays in your family, not in banks
• Future generations benefit from your planning
• Your family legacy becomes intentional, structured, and protected

This is the power of Family Banking.

At Majestic Wealth Builders, we help families build a private, multi-generational wealth system using properly structured cash-value life insurance and strategic planning.

WHAT IS FAMILY BANKING?

A Multi-Generational Wealth Strategy Built Using Life Insurance

Family Banking is a modern adaptation of the Infinite Banking Concept — but focused entirely on:

• Family wealth
• Legacy planning
• Generational impact
• Cash flow guidance across multiple family members
• Long-term protection and growth

It uses specially designed life insurance policies to create a private family reserve, allowing family members to:

• Borrow for expenses
• Create inter-family loans
• Finance education
• Start businesses
• Buy real estate
• Cover emergencies
• Build wealth consistently

All while the family’s money continues compounding in the background.

HOW FAMILY BANKING WORKS

A Family Banking system typically includes:

1. A Foundational Policy Structure

Parents or grandparents build high-cash-value policies as the base of the system.

2. Policies for Children & Key Family Members

Each policy grows cash value over time, creating multiple “banks” within one family.

3. A Family Reserve Fund

Cash value functions as a family-owned financial reservoir.

4. Internal Borrowing System

Family members can borrow from the reserve to:

• Pay off debt
• Buy cars
• Finance college
• Start businesses
• Make down payments
• Handle emergencies
• Take advantage of opportunities

5. Money Keeps Growing Regardless of Loans

Cash value continues compounding, even while funds are borrowed.

6. Generational Wealth Transfer

Death benefits pass tax-free to beneficiaries — creating a powerful financial foundation for future generations.

WHAT CAN A FAMILY BANK BE USED FOR?

Family Banking is one of the most flexible and powerful family planning systems. It can be used for:

✔ College Funding

Instead of student loans, children borrow from the family bank.

✔ Down Payments

Family members finance real estate internally.

✔ Debt Elimination

Combine with the Debt Action Plan for rapid payoff.

✔ Business Financing

Startups and investments can be funded within the family.

✔ Emergency Fund

Family Bank = instant liquidity.

✔ Retirement Income for Parents

Tax-advantaged income streams later in life.

✔ Legacy Planning

Creating generational wealth that lasts beyond your lifetime.

✔ Wealth Transfer

Tax-efficient and structured for future heirs.

WHY FAMILIES CHOOSE THIS STRATEGY

1. Control & Certainty

You control the capital — not banks or lenders.

2. Tax Advantages

Cash value grows tax-deferred; loans are accessed tax-free.

3. Generational Impact

Each policy becomes an asset that strengthens the next generation.

4. Growth Without Market Risk

Cash value is protected from market downturns.

5. Lifetime Tool

It becomes stronger year after year.

6. Better Use of Dollars

Your money works in multiple ways:

protection + growth + liquidity + legacy.

WHO IS FAMILY BANKING FOR?

Family Banking is ideal for:

• Families with children
• Parents seeking long-term financial stability
• Grandparents building legacy
• High-income households
• Families with mortgages or debt
• Households wanting tax-free retirement
• Real estate or business-minded families
• Anyone who wants money to stay in the family

If your goal is generational wealth, Family Banking is the foundation.

WHAT’S INCLUDED IN YOUR FAMILY BANKING PLAN

Your personalized plan includes:

• Family financial blueprint
• Policy structure & design
• Cash flow mapping
• Loan strategy
• Growth projections
• Multi-generational design mapping
• Retirement integration (where applicable)
• Tax advantage overview
• Family wealth transfer planning
• How to coordinate all policies together
• Step-by-step implementation plan

This is not a template — it’s custom-built for your family

FAMILY BANKING VS INFINITE BANKING

Infinite Banking

Focuses on individual wealth & personal banking systems.

Family Banking

Focuses on:

• Multiple family members
• Multi-layer cash value structure
• Generational planning
• Legacy wealth
• Inter-family lending
• Policy stacking
• Long-term inheritance planning

Both can be used separately or combined for maximum benefit.