re: Whole Life, Infinite Banking (IBC), Cash Flow

Every life insurance policy adheres to a Cost of Insurance. The healthier and younger you are, the lower the cost.

For cash value policies, all of the costs (cost of insurance, policy maintenance fees, etc..) are withheld by the insurance company and the remainder is typically your cash value.

You keep talking about loans. Unless you are dead set about leveraging, you don't have to use a loan to get access to funds. There are bonds paying 5% tax deferred. There are penalties for early withdrawals, but those penalties may be lower than the fees (and commissions) in a life insurance policy. Once you buy the life insurance policy, you are kissing away that money. Any change of plans is like an expensive divorce. That is the downside for the whole life option that you are considering.