The United States is entering one of the largest wealth transfers in its history, and many families are unsure how to prepare for it. Conversations about inheritance are often delayed or avoided, even when people want clarity about the future. As a result, expectations are sometimes unclear, and important decisions are left unresolved.

The Infinite Banking Concept (IBC), also known as Bank on Yourself or Bank with Whole Life, is a risk management tool, not an investment, that tackles two financial risks at once.