Disclaimer
Verity Play publishes educational content on personal finance, wealth strategy, cash flow management, and the Infinite Banking Concept (IBC). This page explains the limits of what that content is and is not.
Educational content, not personalized advice
Everything on Verity Play — audio, video, articles, examples, illustrations — is educational and informational only. It is not personalized financial, legal, tax, accounting, insurance, or investment advice and should not be relied on as such. The instructors are sharing their understanding of concepts and their personal experience; they are not acting as your fiduciary or advisor.
Before making any financial decision based on what you learn here, consult licensed professionals — a financial advisor, accountant, tax specialist, lawyer, and (for IBC and insurance topics) a licensed life-insurance agent — who understand your full circumstances and the laws of your jurisdiction.
The Infinite Banking Concept (IBC)
IBC is a strategy that uses a dividend-paying whole life insurance policy issued by a mutual insurance company as a financing vehicle. Implementing IBC involves complex, long-term financial commitments. The following are not guarantees:
- Dividend rates and policy performance illustrations are projections, not promises. Actual results may differ.
- Policy loans, cash value access, and surrender values depend on the specific policy, the insurer’s terms, and tax rules in force at the time.
- IBC is not appropriate for every person, every income level, or every financial goal. It involves trade-offs that should be evaluated against your alternatives.
Whole life insurance is a regulated product. The structure of any specific policy must be designed by a licensed insurance professional who is appointed with a mutual insurer in your province, state, or country. Verity does not sell insurance products. Nothing on Verity Play is an offer, solicitation, or recommendation to purchase any insurance product or contract.
No guarantee of results
Examples, case studies, and personal stories shared on Verity Play describe specific situations and outcomes that may not be representative or repeatable. Past performance does not guarantee future results. Your individual outcome will depend on factors specific to you — income, expenses, tax situation, time horizon, discipline, and market conditions — which we don’t and can’t evaluate.
Tax information
Tax treatment of insurance contracts, policy loans, and dividends varies by jurisdiction and changes over time. Tax laws referenced in the content may apply only in certain countries or provinces, may have changed since the content was recorded, or may not apply to your specific situation. Always confirm current tax treatment with a qualified tax professional in your jurisdiction before acting.
Third-party content and links
Verity Play may reference books, websites, instructors, or organizations as further reading. We don’t control those third-party materials and don’t endorse every position taken in them. Following an outbound link is at your own discretion and risk.
No client or fiduciary relationship
Subscribing to Verity Play does not create a client, fiduciary, advisor, broker, or agent-principal relationship between you and Verity Life Solutions Inc. or any instructor featured on the platform. We are not your financial advisor.
Forward-looking statements
Some content may discuss strategies that depend on projected interest rates, dividend scales, or other forward-looking assumptions. Forward-looking statements are inherently uncertain. We do not undertake to update content when assumptions change.
Questions
If something in our content isn’t clear, or you’d like to discuss whether IBC or any other strategy fits your situation, contact a licensed professional in your area. For questions specifically about how the Service works, email support@verityplay.com.