Being Intentional About Health & Fitness—Because Your Infinite Banking Policy Depends on It
Why Your Health Supercharges Infinite Banking
Let’s break a common myth:
Life insurance isn’t just something you buy, file away, and forget.
If you’re walking the Infinite Banking path—becoming your own banker and building wealth through a whole life insurance policy—then your health becomes a hidden asset.
And not just because it looks good on you.
Because it literally affects your policy’s performance.
That gym session? That daily walk? That plate full of grilled chicken and greens?
Yeah. That’s money in motion.
Let’s talk about it.
Why Fitness = Financial Power
You already know Infinite Banking is a long game.
But what most people overlook is how your physical health directly impacts your financial outcomes.
Here’s what happens behind the scenes:
Healthier people live longer.
Living longer lowers your risk rating to the insurance company.
Lower risk = lower premiums, better dividend rates, and more efficient cash value growth.
This is math… wrapped in sweat equity.
Step One: The Medical Exam is the Gateway
Before your policy begins, you’ve got to pass through underwriting.
That usually includes labs, vitals, and a good ol’ fashioned medical exam.
If your blood pressure, cholesterol, or weight are elevated—even just a little—it doesn’t mean you're denied. But it does mean you’ll likely pay more.
That’s money leaving your banking system before you even get to build it.
Translation: your health is a financial access point. The stronger it is, the more doors it opens.
Step 2: Steward Your Health = Strengthen Your Policy
If you’re already working on your health—meal prepping, managing stress, getting in movement daily—you’re doing more than building muscle.
You’re future-proofing your financial strategy.
Those daily choices build your energy, but they also tell an underwriter:
“This person is low-risk. This person will be here for the long haul.”
That matters. And it’s rewarded.
Step 3: Lower Premiums = More Cash Value
Think about it like this:
Better health at enrollment = lower monthly premium
Lower premium = more money going directly to cash value
More cash value = faster access to policy loans
Faster loans = more financial control for you and your family
That’s how Infinite Banking works: you build your own system, and you get to borrow from yourself and repay yourself—with interest.
But the performance of that system?
It’s powered by how well you steward your body as well as your bank account.
Step 4: This Is a Lifestyle, Not a One-Time Test
Even after you’re approved and funded, your policy still responds to your health. Some insurers offer wellness benefits or underwriting reviews based on long-term health. Some carriers will even reduce the risk rating of your policy in later years if your health improves.
But even if they don’t, let’s keep it real:
The longer you live, the more time your cash value has to grow
The healthier you are, the fewer unexpected expenses show up
The more financially secure you are, the less undue stress you will take on
And the more energy you have to pursue purpose-driven wealth
“Do you not know that your bodies are temples of the Holy Spirit…? Therefore honor God with your bodies.” — 1 Corinthians 6:19–20
Taking care of your body is stewardship.
And stewardship multiplies.
Your Health is a Hidden Wealth Multiplier
It’s all connected.
Your faith. Your discipline. Your fitness. Your finances.
If you’re serious about building wealth through Infinite Banking, start with your daily habits—the ones that fuel your mind, strengthen your body, and extend your life.
You don’t need a six-pack.
You need stewardship.
Because the healthier you are, the more your policy can do.
And the more your policy can do, the more impact you’re able to make.
Move your body.
Fuel it with care.
And let your faith lead the way.
