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It looks like the name of this idea modifications once a month. You might have heard it described as a continuous wide range method, family financial, or circle of riches. Regardless of what name it's called, unlimited banking is pitched as a secret way to build riches that just rich people find out about.

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You, the policyholder, placed money into a whole life insurance plan through paying premiums and getting paid-up enhancements.

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The entire concept of "financial on yourself" only works because you can "bank" on yourself by taking car loans from the plan (the arrow in the graph over going from whole life insurance policy back to the insurance policy holder). There are two various kinds of finances the insurer may supply, either straight acknowledgment or non-direct acknowledgment.