Ep.243: Infinite Banking in Canada Explained: 1.0 vs 2.0 vs 3.0

What is Infinite Banking in Canada, and how do you know whether you're still at level 1.0 or ready for 2.0 and 3.0? On today's episode, Darren and Christina break down the real difference between using cash value life insurance in Canada for simple policy loans versus using it for wealth creation, retirement income, tax efficiency, and legacy planning.

They explain how Infinite Banking 1.0 is where most people start: borrowing against a properly structured policy for major purchases, liquidity, and better control over money. Then they move into Infinite Banking 2.0, where the strategy becomes a true wealth-building tool for Canadian business owners, real estate investors, and families who want to use policy liquidity to create assets, generate income, and multiply capital. Finally, they unpack Infinite Banking 3.0, where the conversation expands into tax-free retirement planning, estate planning, corporate planning, and leaving more to family instead of CRA.