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

If your big attraction to the life insurance is the cash value, then you may be better off with universal life insurance.

ULs generally grow your money faster and give you a lot more options towards overfunding or underfunding the cash value.
They are the luxury car of the cash value life insurance.

The upside to whole life is that it gives more guarantees (more of a guaranteed death benefit). The downside is a lack of flexibility and often a slower growth in exchange for the guarantees.

The upside to the universal life is that you can way over fund those policies growing the cash value faster. They generally pay a higher rate of return than whole life. The downside is that borrowing the funds could jeopardize the permanancy of the death benefit (if the concept of a return of premium term insurance interests you, than a universal life insurance policy could be the way to go).