The Best Christmas Gift You’ll Never Wrap

With Christmas shopping and sales in full swing, let me be the first to remind you:
you don’t need another big-screen TV - no matter how smart it claims to be.

Before you roll your eyes, I’m not suggesting you buy life insurance for your loved ones. (Although, to be fair, nothing says Merry Christmas quite like gifting a family banking system.)

What I am suggesting is something far more practical - and far more powerful.

A Gift Your Future Self Will Thank You For

Instead of carrying your holiday spending on a credit card, consider running those expenses through your policy.

By all means, swipe the Visa to collect the points. Then, before interest starts piling up, pay it off using a policy loan. You still take advantage of the credit card grace period, but instead of paying interest to the bank, you repay your own system.

Here’s the magic part:
when you repay the policy, including the interest you would have paid to the credit card company, you’re capturing that interest and keeping it growing inside your family’s system for life.

That’s how wealth quietly compounds.

Recapture the Interest

The average Canadian spends $1,675 on Christmas gifts, entertainment, and travel.

If that balance takes three months to pay off on a credit card, it costs roughly $57 in interest.

Using a policy loan instead?
That interest drops to about $17.

Now here’s where it gets interesting.

If you act as an honest banker and repay your policy the same way you would have repaid the credit card, that extra $40 doesn’t disappear. It goes back into premium - ultimately adding over $1,000 to your family’s system.

And that’s from one Christmas.

Now imagine the compounding effect if this strategy is used every year, by every family member.

Don’t Have a System in Place Yet?

There’s no time like the present.

I know several families whose lives changed in an instant due to tragedy or illness. If you are young and healthy, now is the time to start. You never know when something could change that affects your insurability.

If cost feels like a barrier, start small. Lock in insurability with convertible term coverage. Premiums are lower, and you still create protection with the option to convert later when it makes sense.

Older or Uninsurable?

Parents and grandparents, this is where you can play a powerful role.

Consider moving funds from traditional investments or registered accounts into policies on younger, healthier family members. You can pass on wealth without triggering taxes, while creating a system that supports your family for generations.

That’s legacy planning done right.

Digging Deeper

If you want to learn more about the fundamentals of infinite banking and how this strategy works in real life, check out the training below.

Sometimes the best gifts aren’t found under the tree — they’re built quietly, intentionally, and with the future in mind.