Endurys Wealth Solutions Inc.

Master the Infinite Banking Concept

Your comprehensive educational resource for achieving financial independence through IBC. Learn how Ontario families and entrepreneurs are taking control of their financial futures with dividend-paying whole life insurance.

Start Your IBC Journey

New to the Infinite Banking Concept? Begin here with our foundational resources

📚

Get the Book

Start with "Becoming Your Own Banker" - the definitive guide to the Infinite Banking Concept. Learn the principles that have helped thousands achieve financial freedom.

Purchase BYOB Book

🎥

Watch & Learn

Subscribe to our YouTube channel for weekly videos, case studies, and real-world examples of IBC in action. Visual learning made simple.

Visit YouTube Channel

⚡

IBC in 3 Minutes

Short on time? Watch our quick overview video that breaks down the Infinite Banking Concept in just three minutes.

Watch Quick Start

Join Our Growing Community

Don't miss out on weekly insights, real-world case studies, and practical strategies for implementing IBC. Our YouTube channel brings the Infinite Banking Concept to life with engaging content tailored for Ontario families and entrepreneurs.

Subscribe to Our Channel

Blogs by Topic

Banking Basics

BYOB Book Reading Series

IBC Case Studies

Infinite Banking For Businesses

Strategic Life Insurance

Understanding IBC Basics

Understanding Participating Whole Life Policies

Understanding the 4–5 Year Startup Phase of a Policy

Eric Hawn

Published on: 10/12/2025

This blog breaks down the 4–5 year “startup phase” of a policy, explaining why cash value appears lower in the beginning, how capitalization works, and why efficiency accelerates dramatically over time.

Understanding Participating Whole Life Policies