 You could be in an investment that's insured, guaranteed, tax-free, and increasing in returns over the next 5 to 10 years easily. While the economy might be stumbling, interest rates are rather high, and inflation is still on the higher side. I need to share the second step of your personal bank concept. Remember, the first step is setting up the high cash value policy to maximize dividends, maximize growing our money, insured, guaranteed, tax-free.