Can this be combined with infinite banking?

Yes — and when done correctly, it’s one of the most powerful wealth-building combinations available.

The 12-411 process reclaims income that would have otherwise been surrendered in taxes. Instead of losing that money to the IRS year after year, you now receive it in the form of a federal refund check — money that goes straight to your mailbox.

Now imagine using that tax-free, recovered income to fund a properly structured infinite banking policy (typically a high-cash-value, indexed universal life insurance policy). You’re taking money you were already budgeting without, and now you’re using it to:

• Build cash value that grows tax-free

• Borrow against your policy while still earning compound interest

• Create generational wealth with a death benefit

• Take control over your own banking and borrowing system

You’re playing with house money — money that was already gone in your mind, now redirected into a vehicle that multiplies your wealth while providing liquidity, leverage, and legacy.

So yes, 12-411 and infinite banking together unlock a completely new level of financial freedom. It’s a strategy that only works for the informed — and now you’re one of them.