Family Bank Projector
Project your multi-generational wealth building potential. See how a properly designed policy can fund your business and secure your family's legacy.
Your Family Bank Setup
Younger start = more compounding time
What you can comfortably commit annually
You + children
Your Family Bank Potential
Projected wealth building across generations
Combined cash value + legacy transfer
Available to borrow against for business needs
Growth accelerates as compounding takes hold
Year-by-Year Projection
| Year | Age | Premiums Paid | Cash Value | Loan Available |
|---|---|---|---|---|
| 1 | 41 | $24,000 | $15,600 | $14,040 |
| 2 | 42 | $48,000 | $36,702 | $33,032 |
| 3 | 43 | $72,000 | $58,754 | $52,878 |
| 4 | 44 | $96,000 | $81,798 | $73,618 |
| 5 | 45 | $120,000 | $105,878 | $95,291 |
| 6 | 46 | $144,000 | $131,043 | $117,939 |
| 7 | 47 | $168,000 | $157,340 | $141,606 |
| 8 | 48 | $192,000 | $184,820 | $166,338 |
| 9 | 49 | $216,000 | $213,537 | $192,183 |
| 10 | 50 | $240,000 | $243,546 | $219,192 |
| 15 | 55 | $360,000 | $415,105 | $373,595 |
| 20 | 60 | $480,000 | $628,899 | $566,009 |
| 25 | 65 | $600,000 | $895,325 | $805,793 |
| 30 | 70 | $720,000 | $1,227,341 | $1,104,607 |
* Projections use conservative assumptions: 4.5% growth, 90% loan-to-value. Actual results may vary based on policy design and carrier performance.
Understanding Your Family Bank
Cash Value
The living benefit of your policy. This is money you can access through policy loans while your full balance continues to earn dividends. It's your personal banking reservoir.
Loan Capacity
Typically 90% of your cash value is available for policy loans. Unlike traditional loans, you set the repayment terms. Your cash value continues growing even while you have loans outstanding.
Multi-Generational Wealth
When structured properly, your family bank can transfer wealth tax-efficiently to future generations. Children and grandchildren can start their own policies, creating a dynasty of private banking.
“A good man leaves an inheritance to his children's children.”
Proverbs 13:22
Ready to Build Your Family Bank?
These projections are based on general assumptions. Let's discuss your specific situation and create a customized illustration for your family.
Book a Free ConsultationNo pressure. No obligation. Just an honest conversation about your legacy.