Services
How we help you put Infinite Banking to work
We teach the Infinite Banking Concept®, as taught by R. Nelson Nash, and then help you put it to work in your own life. Education first. No pressure. You stay in control.
- Start hereA free 30-minute first call with our team
- How we workTeachers first, agents second
- Wrote the bookLuke’s Between the Lies, an Amazon bestseller
What we offer
What we do for our clients
We lead with Infinite Banking. It’s not just some side feature for us. Everything else we offer is there to help you understand it, use it well, and stay on track.
Infinite Banking policy design
For new clientsInfinite Banking uses dividend-paying whole life insurance as a place to store your money and finance the things you need, so you rely less on banks. If it fits your goals, we design a policy around them and teach you how to use it, step by step.
- A plan built around your goals, dreams, and objectives
- Your customized options reviewed with you before you decide
- Help with the application and with setting up your online account
Education you can start today
Free and low-costAt Perfect Spiral Capital, we lead with education. You can learn the basics on your own time, before you ever talk to us.
- Luke’s book, Between the Lies
- Our 11-part video course, Infinite Banking Step-by-Step
- The Between the Lies podcast and our Education Guide
- Our free Wealth Ratio Calculator
We can also help with
Infinite Banking is our focus. When it fits your plan, we can also help you with these.
Term life insurance
Life insurance coverage for a set number of years.
Fixed annuities
A retirement income tool that credits interest at a guaranteed rate.
Indexed annuities
A retirement income tool that credits interest based in part on a market index.
Disability income insurance
Helps replace part of your income if illness or injury keeps you from working.
- Coming soon
Long-term care insurance
Helps pay for extended care if you can no longer handle daily activities on your own.
Guarantees are contractual and depend on the issuing insurer.
Ask about any of these on your first call
Why work with us
We’re not like the “other guys.”
- Education firstWe are teachers first, agents second. You’ll understand what we are doing, and why, before you decide anything.
- Lasting supportWe are in this for the long haul. We’ve got your back, today and 20 years from now.
- Focus on fundamentalsIf you want to change your financial life, you have to start in the right place.
Our process
What working with us looks like
No pressure, no obligation. You stay in control the whole way.
- Initial consultationA free first call. We answer your questions, talk about where you are, and see whether Infinite Banking fits your goals.
- TRUTH Blueprint visitWe break down how the TRUTH Blueprint applies to your situation and go over your details from our New Client Form.
- Illustration reviewWe review your personally customized options. If any fine tuning is needed, we find it here.
- ApplicationWe complete your life insurance application together.
- Policy deliveryOnce your policy is issued, we go over it with you and walk through your online account setup.
- Coaching and reviewsBook coaching time whenever you need it, plus an annual review to keep you on track.
Our process is built on TRUTH:
- Take Responsibility
- Reclaim Your Money
- Undo Your Debts
- Transcend Your Expenses
- Help Others
After you book your first meeting, we’ll send you the TRUTH Blueprint Workbook so you know what to expect.
Learn at your own pace
Not ready to talk yet? Start here.
We are always producing more educational content to help you master your finances.
Between the Lies
Luke’s Amazon-bestselling book on taking control back from banks and Wall Street, and the 5-Step TRUTH Blueprint. Kindle, paperback, and audiobook on Amazon.
Get it on Amazon Video courseInfinite Banking Step-by-Step
Our free 11-part video course gives you the information you need to hit the ground running when you book a meeting with our team.
Watch free on YouTube PodcastBetween the Lies Podcast
Providing Positivity & Balance in a World of “Trust Me Bro” Economics. New episodes weekly.
Listen now GlossaryPSC Education Guide
The terms, concepts, and themes that come up on the podcast, explained. Browse at your own pace.
Browse the guide Free toolWealth Ratio Calculator
Wealth ratio = passive income ÷ living expenses. Plug in your numbers and see where you stand today.
Try the calculatorWho you’ll work with
Real people who practice what we teach
New to Perfect Spiral Capital? Book an initial consultation with a member of our team. Already had your first meeting? Reach out to your agent to set up your next one.
Questions
Frequently asked questions
What services does Perfect Spiral Capital offer?
We teach the Infinite Banking Concept, as taught by R. Nelson Nash. If it fits your goals, we design a dividend-paying whole life insurance policy around them and teach you how to use it. We can also help with term life insurance, fixed and indexed annuities, and disability income insurance, with long-term care insurance coming soon.
Is Infinite Banking an investment?
No. Infinite Banking is not a product you buy. It is an idea, a concept, a framework for how you handle your money. The tool that puts it to work is a whole life insurance policy, which is a savings tool. It is a place to store your money and finance the things you need, so you rely less on banks. The policy is a savings tool, not an investment.
What happens on the first call?
It is a free 30-minute call with our team. We talk about where you are and whether Infinite Banking fits your goals. No pressure, no obligation.
Do I need to read anything before I book?
It helps. We recommend R. Nelson Nash’s Becoming Your Own Banker or Luke’s book, Between the Lies. Our free video course, Infinite Banking Step-by-Step, is another good place to start.
What happens after I become a client?
Once your policy is issued, we go over it with you and walk through your online account setup. Already had your first meeting? Reach out to your agent to coordinate additional meetings.
Your next step
Ready to take back control?
Start small. Pick a time that works for you. You’ll get a free 30-minute call with our team to see if Infinite Banking fits your goals, with no pressure and no obligation.