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“Bank on yourself"

SuperCharge Your Banking

Discover Infinite Banking through a simple, transparent path designed for beginners, explorers, and experienced practitioners. Whether you’re just curious about Infinite Banking, already comparing policy options, or looking to optimize an existing strategy, SuperCharge Your Banking gives you the tools, education, and guidance you need.

MEET THE FOUNDER & CEO

Hey, I'm Tammy M Smith

I believe financial freedom isn’t just about money — it’s about control, confidence, and legacy.

After more than 30 years in sales, marketing, and entrepreneurship, I’ve learned one powerful truth: when you understand how money really works, everything changes.

As the founder of SuperCharge Your Banking and ,SHEro-Ventures I help people take back control of their financial future through the Infinite Banking Concept — a strategy that lets you become your own banker, pay off debt, fund opportunities, and build lasting wealth.

My entrepreneurial fire started young — I opened my first business at 18 and went on to lead ventures in travel, media, and professional sports before diving into real estate and credit. In my first 18 months as an investor, I partnered on 81 doors — but what transformed everything was discovering privatized banking.

Now, I teach others what I wish I’d known years ago: how to make your money work as hard as you do — and keep it growing for generations.

Discover

Design

Decide

“What is Infinite Banking?”

Infinite Banking uses a specially designed whole life insurance policy as your personal banking system. Instead of relying on commercial banks for loans, you build a growing pool of cash value that you can borrow against—for purchases, investments, or emergencies—while your money continues to grow inside the policy.

Total Control

You become your own banker — deciding when and how to access your money without approval, credit checks, or restrictions. You control the flow instead of the banks.

Uninterrupted Growth

Your money keeps compounding even when you borrow against it. Policy loans don’t interrupt growth — your cash value continues earning interest and dividends in the background.

Recapture Lost Interest

Every time you borrow from a traditional bank, you lose interest forever. With Infinite Banking, you keep that interest working in your own system — putting money back in your pocket, not theirs.

You Create Guaranteed Growth and Stability

Properly structured whole life policies used for Infinite Banking come with guaranteed growth, tax advantages, and protection from market losses. It’s not subject to stock market swings — your cash value only moves in one direction: up.

You Can Fund Opportunities Quickly

Because you have access to liquid capital inside your policy, you can move fast on investments, real estate, business deals, or emergencies. There’s no waiting on approvals or selling assets — you can borrow from your policy in days, not weeks.

You Build a Lasting Financial Legacy

Your policy not only builds wealth during your lifetime but also creates a tax-free death benefit for your family. It’s one of the few financial tools that works while you’re living and continues to protect and grow your legacy long after you’re gone.

STILL NOT SURE?

Your Questions, Answered

Simple, transparent, and pressure-free

Question 1: Is Infinite Banking just whole life insurance?

No. Whole life insurance is the foundation, but Infinite Banking is about how you use the policy—structuring it for high cash value, using loans strategically, and managing repayments to maximize growth and liquidity.

Question 2: How does a policy loan work?

You borrow against your cash value (the insurance company’s money, secured by your policy). Your cash value keeps growing as if untouched. You repay the loan on your terms, with interest—just like a bank would charge, but now you keep the benefits inside your system.

Question 3: What if dividends change?

Dividends are not guaranteed and can fluctuate based on insurer performance. However, policies are designed with guaranteed growth regardless of dividends. Dividends add an additional layer of growth.

Question 4: What about taxes?

When designed properly (within IRS guidelines), policy loans and cash value growth are tax-advantaged. Exceeding contribution limits can create a Modified Endowment Contract (MEC), which changes the tax treatment. We design policies to avoid MEC status unless it aligns with your strategy.

Question 5: What if I can’t keep paying premiums?

Policies can be structured with flexibility. You can reduce premiums, use dividends, or pause contributions while keeping your policy in force.

Question 6: What’s the minimum I need to start?

Infinite Banking isn’t for everyone. As a rule of thumb, it works best if you can commit at least a few hundred dollars per month consistently. We’ll help you decide if it’s the right fit.

Question 7: Isn’t this too good to be true?

It can sound that way—but it’s simply leveraging the contractual mechanics of dividend-paying whole life insurance. Infinite Banking has been practiced for decades; it’s not magic, just math.