What is whole life banking?

Whole life banking is a strategy where you use dividend-paying whole life insurance as a personal banking system. You fund policies, borrow against the cash value for investments or purchases, and repay capital on your own schedule — all while the full cash value continues to earn dividends and grow. Policy Stack helps you track every piece of that system.

Is Policy Stack affiliated with any banking-concept organization?

No. Policy Stack is an independent software company. We are practitioners who built the tool we wished existed. We are not affiliated with, sponsored by, or endorsed by any banking-concept organization or trademark holder.

Can I track policies from multiple carriers?

Yes. Add policies from any carrier — New York Life, Penn Mutual, Mass Mutual, Guardian, or any other. Policy Stack is carrier-agnostic. With Builder Pro, you can track unlimited policies.

How does document extraction work?

Upload a screenshot from your carrier portal or a PDF of your annual statement. Our AI extracts cash value, death benefit, premiums, and loan information automatically. You review and confirm before anything is saved.

Yes. All financial data is encrypted at rest using AES-256-GCM field-level encryption and in transit via TLS 1.3. Every database query is filtered by row-level security policies. We never sell or share your data. See our security policy for full details.

What's the difference between Starter and Builder Pro?

Starter includes 1 policy, first-policy AI extraction, Help Mode without account-data access, the Policy Loan Repayment Planner, Note Modeler, Human Life Value, and Save & Spend. Builder Pro adds unlimited policies, assets, and goals; Full Mode with explicitly confirmed record changes; unlimited AI Insights; Debt Payoff Path, Income Stacker, and Financing Modeler; document extraction; analytics; collaboration; and expanded exports. Three additional tools remain marked coming soon.

How is Policy Stack different from a spreadsheet?

Spreadsheets can track numbers, but they don't understand whole life banking. Policy Stack has domain-specific calculations — capital velocity, deployment spread, repayment schedules, loan-to-value tracking — built in. It also handles document extraction from carrier statements, multi-policy dashboards, and scenario modeling that would take hundreds of formulas to replicate.

Does Policy Stack give financial advice?

No. Policy Stack is a tracking and analysis tool, not a financial advisor. We show you the numbers and help you model scenarios — we don't tell you what to do. Your banking system, your decisions.

How do I connect my account to my advisor?

The easiest way is to sign up through your advisor's invite link — policystack.co/advisor/their-name. Your account is automatically linked to their practice when you finish onboarding. You can also enter their referral code during signup; your advisor can share the code from their Practice Settings. If you already have an account, go to Settings → Advisor Access to connect manually.

The operating system for whole life banking

You can’t be your own banker if you can’t see the bank.

All the motion in your family banking system — policies, cash value, and capital in one system of record — so you can pay off debt, grow your wealth, and protect your legacy.

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30 days of Builder Pro free with code EARLYBIRD.

Managing a practice? See advisor pricing →

Trusted by NNI-authorized whole life banking practitioners

Jonah Dew & Jeremiah Dew

Shawn King · Author of From Regular to Rich

Records-grade security

AES-256 Encryption Field-Level Encryption Two-Factor Sign-In Export & Delete Anytime

See It In Action

Your banking system, live.

Rank what matters to your household. Home shows the next step for each, from what you’ve recorded.

Good afternoon, Claire

Weekly reportNew3 wk streakLevel 21,470 XP

1Build Capital2Repay Loans3Debt Freedom4Passive Income5Legacy

Focus · Build CapitalBuild Net Cash Value

Net Cash Value$142,860Six months of expenses$36,000

Add policiesDone
Set PUA deposit scheduleDone
Emergency fundDone
4Halfway to targetNow
5Reach the targetNext

Now · step 4 of 5Halfway to targetComplete when Net Cash Value reaches half the target.

Review policy records →

Focus · Repay LoansRepay Loans

Loan Balance$38,200Repaid so far$12,800Projected payoff monthProjectedAug 2027

Record policy loansDone
Set repayment scheduleDone
First repaymentDone
4Halfway repaidNow
5Loan Balance $0Next

Now · step 4 of 5Halfway repaidComplete when the Loan Balance is half repaid.

Review policy loans →

Focus · Debt Freedom3 debts to pay offExcludes real estate debt

Balance left$35,800Debt clearProjectedFeb 2027

Add debtsDone
Choose the orderDone
Set a payoff planDone
4Pay off first debtNow
5Pay off the last debtNext

Now · step 4 of 5Pay off first debtComplete when a debt balance reaches $0.

View recorded liabilities →

Net Cash Value$142,860Total $181,060 · Loan Balance $38,200 $18,400 this yearNet Cash ValueTotalLoan Balance

Death Benefit$1,240,000Base and PUA-added coverage $86,000 this yearRecorded coverage

Premiums Paid · 12 mo$14,100Base Premium $8,400 · PUA $5,700Last 12 monthsBase PremiumPUA

ActivityUpcoming 3RecentNext 30 daysPassive income$1,240Capitalizing$1,175

Upcoming

Premium dueWhole life policy$1,175In 5 daysReview

Note paymentMaple Street note$620In 9 daysReview

Loan repaymentPolicy loan$850In 12 daysReview

Built from your recorded dates and Auto Log schedules.

How it works

01Add your policiesAny carrier. Upload a screenshot or type it in.

02Link your loansConnect each policy loan to what it funds.

03Watch it workLoan repayments, cash flow, and velocity over time.

Growth Over TimeGrowth Over Time

Watch your banking system grow over time.

Cash value, dividends, and Death Benefit across every policy, as recorded.

$142,860

▲ +$2,140 · 30 days

Net Cash Value

Cash Value Over Time

AI Analysis

Nov 2024

Total Cash Value : $33,658

Net Cash Value : $18,908

Total Cash ValueNet Cash Value

Pay Off DebtPay Off Debt

The path out of every liability.

Set your payoff order and watch the payoff date move.

Step 1 · SequencerOrdered by cash-flow velocity

Step 5 · Payoff PathMonth grid · external liabilities

Month	Credit card✓ +$240/mo	Auto loan✓ +$420/mo	Student loan✓ +$305/mo	Policy loan	Freed / mo
Jan 2026	4,800	18,400	12,600	—	—
Feb 2026	CV draw −$4,8000 ✓	18,120	12,450	4,800	+$240
Mar 2026	0	17,835	12,295	4,585	+$240
Apr 2026	0	17,545	12,140	4,365	+$240
May 2026	0	17,250	CV draw −$11,9800 ✓	16,120	+$545
Jun 2026	0	16,505	0	15,320	+$545
⋯	⋯	⋯	⋯	⋯	⋯
Feb 2027	0	CV draw −$12,4100 ✓	0	24,660	+$965
Feb 2027 · Debts cleared. Every minimum now comes back to you.

Tracked month by month as payments clear.

$965/mo

Freed monthly cash flow

Capital DeploymentCapital Deployment

Track capital deployed toward growing wealth.

Link each policy loan to where the money went, and follow each loan repayment back to the policy.

Capital flow · full cycle

One policy or sixty — it all tracks.

Built for practitioners. Validated by practitioners.

I thought my spreadsheet was enough… until I saw Policy Stack. I was wrong. This is hands down the best system I’ve ever seen for implementing Infinite Banking. Game over.

Jonah DewNNI Authorized Infinite Banking PractitionerThe Cash Compound

I tell every client the same thing — owning the policy is step one. Using it well is the work that pays them for the rest of their life. Policy Stack is the first tool I’ve seen that actually shows my clients what their banking system is doing, not just what it’s worth.

Shawn KingNNI Authorized Infinite Banking PractitionerLegacy Life & Retirement · Author of From Regular to Rich

Policy Stack is the biggest thing I’ve ever seen in Infinite Banking. Period.

Jeremiah DewNNI Authorized Infinite Banking PractitionerThe Cash Compound

Built on R. Nelson Nash’s principles:

Think Long-Range
Don’t Be Afraid to Capitalize
Don’t Steal the Peas
Don’t Do Business with Banks
Rethink Your Thinking

Whole life only. Policy Stack does not support indexed universal life.

If you understand what's really happening, you'll know what to do.
R. Nelson Nash

Tools for every move

Banking Statements

Bank-style statements for any period, as a PDF.

Note Tracker

Every private note, from first payment to payoff.

Note Modeler

Amortizing, interest-only, balloon, or adjustable. See every payment before you lend.

Save & Spend

Watch one dollar do two jobs: a policy loan against saving in the bank.

Financing Modeler

Compare cash, third-party financing, and a policy loan for the same purchase.

Income Stacker

See how reinvesting note principal grows your monthly income.

Policy Loan Repayment Planner

Compare repayment schedules and what each does to Loan Balance and Net Cash Value.

Human Life Value

Estimate what your income from work means to your household.

Weekly report

What changed in your banking system, on Home every Monday.

Pricing

Start with one policy. Unlock your full system.

Starter

The essentials for your first policy.

forever

Track 1 policy and its loans
First-policy AI extraction
Policy Loan Repayment Planner
Net Worth + Promissory Note Trackers

Best value

Builder Pro

Run your complete banking system in one place.

$18/mo billed annually

Save $84/year · 30 days free with EARLYBIRD

Everything in Starter, plus:
Unlimited policies, goals, deployments, assets, and notes
Full AI Assistant + unlimited AI Insights
AI document extraction
Debt Payoff Path, Income Stacker & Financing Modeler
Automatic bank balance updates, analytics, exports, and collaboration

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Integrations

Works with your bank and your calendar.

Your bank

On Builder Pro, link your accounts to bring in balances.

Your calendar

Premiums, note payments, and loan repayments in Apple, Google, or any calendar app.

For Whole Life Professionals

Scale your practice. Delight your clients.

Give every client Builder Pro, and run your practice from a CRM built for whole life.

10–50+

Client seats per plan

30 days

Free trial on every plan

$25

Referral credit per client

Scale Your Practice See Advisor Pricing →

Plans from $49/month.

Community

Join the Policy Stack Power Users

Share strategies with other practitioners.

Policy Banking

Cash Flow

Passive Income

Options Trading

Stocks

Crypto

Note Tracker

P2P Lending

Join on Facebook Join on Discord Explore the community →

FAQ

Start with your first policy.

Your access code

EARLYBIRD

Enter it at signup for 30 days of Builder Pro.

Start free Sign in

Your banking system, live.

Rank what matters to your household. Home shows the next step for each, from what you’ve recorded.

Good afternoon, Claire

Weekly reportNew3 wk streakLevel 21,470 XP

1Build Capital2Repay Loans3Debt Freedom4Passive Income5Legacy

Focus · Build CapitalBuild Net Cash Value

Net Cash Value$142,860Six months of expenses$36,000

Add policiesDone
Set PUA deposit scheduleDone
Emergency fundDone
4Halfway to targetNow
5Reach the targetNext

Now · step 4 of 5Halfway to targetComplete when Net Cash Value reaches half the target.

Review policy records →

Focus · Repay LoansRepay Loans

Loan Balance$38,200Repaid so far$12,800Projected payoff monthProjectedAug 2027

Record policy loansDone
Set repayment scheduleDone
First repaymentDone
4Halfway repaidNow
5Loan Balance $0Next

Now · step 4 of 5Halfway repaidComplete when the Loan Balance is half repaid.

Review policy loans →

Focus · Debt Freedom3 debts to pay offExcludes real estate debt

Balance left$35,800Debt clearProjectedFeb 2027

Add debtsDone
Choose the orderDone
Set a payoff planDone
4Pay off first debtNow
5Pay off the last debtNext

Now · step 4 of 5Pay off first debtComplete when a debt balance reaches $0.

View recorded liabilities →

Net Cash Value$142,860Total $181,060 · Loan Balance $38,200 $18,400 this yearNet Cash ValueTotalLoan Balance

Death Benefit$1,240,000Base and PUA-added coverage $86,000 this yearRecorded coverage

Premiums Paid · 12 mo$14,100Base Premium $8,400 · PUA $5,700Last 12 monthsBase PremiumPUA

ActivityUpcoming 3RecentNext 30 daysPassive income$1,240Capitalizing$1,175

Upcoming

Premium dueWhole life policy$1,175In 5 daysReview

Note paymentMaple Street note$620In 9 daysReview

Loan repaymentPolicy loan$850In 12 daysReview

Built from your recorded dates and Auto Log schedules.

Month

Credit card✓ +$240/mo

Auto loan✓ +$420/mo

Student loan✓ +$305/mo

Policy loan

Freed / mo

Jan 2026

4,800

18,400

12,600

—

Feb 2026

CV draw −$4,8000 ✓

18,120

12,450

4,800

+$240

Mar 2026

17,835

12,295

4,585

+$240

Apr 2026

17,545

12,140

4,365

+$240

May 2026

17,250

CV draw −$11,9800 ✓

16,120

+$545

Jun 2026

16,505

15,320

+$545

⋯

Feb 2027

CV draw −$12,4100 ✓

24,660

+$965

Feb 2027 · Debts cleared. Every minimum now comes back to you.

You can’t be your own banker if you can’t see the bank.

Your banking system, live.

How it works