Families & Parents
Build savings you control, protect the people you love, and create a foundation for your children’s future.
Dinber Financial Group
Take charge of your financial future with Infinite Banking
The Infinite Banking Concept® (IBC) is a financial strategy that allows you to create your own personalized banking system using high cash value, dividend-paying whole life insurance.
- Free, no-obligation consultation
- Personalized to your family’s goals
- Education first, never pressure
Welcome
Take back control of your financial life
Welcome to Dinber Financial Group, where clients take back control of their financial lives.
Led by owner and founder Elleni Berhe, a passionate advocate and practitioner of the Infinite Banking Concept®, we offer personalized strategies that help clients achieve maximum financial success while steering clear of the risks tied to traditional financial plans.
Elleni Berhe
Owner & Founder · Read my story
Who We Help
A strategy for every stage of life
Business Owners & Investors
Use your policy as a source of capital for equipment, real estate, or opportunities, on your own terms.
Planning Your Legacy
Grow wealth with tax advantages and leave a permanent, tax-free death benefit to the next generation.
The Concept
What is the Infinite Banking Concept?
The Infinite Banking Concept® (IBC) is a financial strategy that allows you to create your own personalized banking system using high cash value, dividend-paying whole life insurance.
When implemented correctly, the money in the policy can begin doing two jobs instead of one, giving you a flexible and efficient way to manage your finances.
1
It grows
Your cash value grows tax-free within the policy.
2
It works for you
You can borrow against it at low interest rates, when you need it.
The Benefits
Why our clients choose IBC
A strategy built around control, growth and the legacy you leave behind.
Exceptional Tax Advantage
When structured properly, a whole life policy offers lifelong, tax-free access to your capital.
Cash Flow
By acting as your own banker, you can grow your assets without extra effort or increased risk.
Complete Control
No withdrawal penalties, Required Minimum Distributions, or unknown future tax bracket uncertainties.
Legacy
Leave a substantial legacy with a permanent, tax-free death benefit.
How It Works
Become your own banker
Instead of relying on outside banks, you build and control your own source of financing.
Own a whole life policy
A dividend-paying whole life policy builds cash value over time.
Access your cash value
Borrow against your policy to finance expenses or investments, much like a bank loan.
Recapture the interest
Repay the loan to your own policy instead of paying interest to a third-party bank.
Keep control & grow
Your capital keeps compounding inside the policy while you use the funds when needed.
What Our Clients Say
Before I got into Infinite Banking, my finances were a mess. I was investing, but I wasn’t making the most of it. Now, with a few extra steps, I can boost my investment returns significantly.
Getting Started
Three simple steps
Book a free call
Tell us about your goals, your family and where you are today. No cost and no obligation.
Get your personalized strategy
We design a plan that fits your budget and values, and walk you through exactly how it works.
Start building your bank
Put your policy to work and get ongoing guidance as your cash value grows.
What is the Infinite Banking Concept?
The Infinite Banking Concept® (IBC) is a strategy, created by R. Nelson Nash, for building your own personal banking system using a high cash value, dividend-paying whole life insurance policy. Instead of borrowing from banks, you build up cash value in your policy and can borrow against it, then repay the loan to your own policy.
Is Infinite Banking legitimate?
Yes. IBC uses dividend-paying whole life insurance, a long-established financial product issued by insurance companies. It is not a get-rich-quick plan. It is a long-term strategy that works best when the policy is designed properly and you use it with discipline over many years. It is not the right fit for everyone, which is why we start with a conversation about your goals.
Do I need to be wealthy to get started?
No. A policy can be designed around an amount that fits your monthly budget, and many people start small and add more over time. What matters most is consistency and choosing a premium you can comfortably keep paying.
How is this different from a savings account?
Like savings, your cash value can grow and be accessed. Unlike a savings account, a whole life policy also includes a death benefit, guaranteed cash value growth, and the potential for dividends (dividends are not guaranteed). You can borrow against your cash value while it keeps growing. Keep in mind that cash value builds more slowly in the first few years, so this is a long-term tool.
Ready to become your own banker?
Let’s talk about how the Infinite Banking Concept® could work for you and your family.
“A part of all you earn is yours to keep.” — George S. Clason