Our opinion: The 4 Major Mutuals. You may have heard, “You want a small to medium-size company to practice infinite banking.” After that, no reason is given other than “Small companies support the concept of banking with a policy.”

Here are our thoughts. Maximize the cash value first and foremost. This gives you more money. Whether your goal is to practice different banking concepts, use your policy for retirement, or just grow your cash value, the more money you have, the more you have to work with.

When you look at large corporations and the ultra-wealthy, they use the Major Mutual companies. The simple reason, they deliver strong cash values to consumers.