Greater funding flexibility
Universal life lets you increase, decrease, accelerate or pause funding as income and circumstances change. That matters for business owners, commissioned professionals and anyone with variable income.
Flagship strategy
VECTOR Hyperfund
The self-banking flexibility of Infinite Banking and the capital-building power of premium financing, in one indexed universal life policy you fully own and control, built to create tax-free future income.
Why have only one when you can have all three?
| Infinite Banking (IBC) | Premium financing | VECTOR Hyperfund | |
|---|---|---|---|
| The question it asks | How do I become my own banker? | How do I use the bank's money to buy more than I could fund myself? | How do I build the largest, most flexible pool of capital without giving up control or waiting on someone else's timeline? |
| Policy type | Whole life | Usually universal or indexed life | Indexed universal life |
| Where premium comes from | Your savings | Your money plus bank loans | Your savings plus cash flow you already spend |
| Premium flexibility | Fixed premium commitment | Locked to the lender's schedule | Increase, decrease, accelerate or pause |
| Ownership and control | Yours | Shared through the bank's collateral position | Yours |
| Access to policy loans | As cash value builds | Often after a 15-year wait | As cash value builds, on your timeline |
| What it maximizes | Banking discipline | Leverage | Capital, flexibility, liquidity and future income |
How it works
Greater premium capacity
Each policy is designed to take full advantage of the IRS rules on premium funding (Section 7702) without becoming a modified endowment contract, so more premium can flow through the policy as your income grows.
Cash flow recapture
Most families send substantial cash out the door each month for a mortgage, vehicles and other obligations. VECTOR Hyperfund routes a portion of that cash flow through the policy first, then meets those obligations with policy loans. The goal is to make money you already spend work harder.
Full ownership and control
Cash value stays accessible through policy loans for vehicles, business opportunities, real estate or emergencies. No lender holds a collateral position and no bank sets your interest rate.
Future income on your timeline
The long-term objective is a large, tax-advantaged asset that provides liquidity during your working years, financing flexibility, protection from market downturns, and tax-free future income through policy loans.
Downside protection
Indexed universal life credits interest linked to a market index. A policy's account value will never decrease due to a down market.
Who it's for
Mid-career professionals and pre-retirees, roughly ages 35 to 60, who save diligently but are uneasy about taxes, market volatility, and whether a 401(k) and IRA alone will get them where they want to go. Many of Tom's clients work in technology, where equity compensation and changing jobs make flexibility especially valuable.
What happens next
- Discovery call. A free conversation about your goals, cash flow and current coverage.
- Design session. If VECTOR Hyperfund fits, Tom designs a policy around your numbers and shows you the illustrations.
- Ongoing education. Clients get access to WealthPrecepts lessons on managing and using their policy.