Reimagine your relationship with financial value

Where Clients
Become Capitalists

A boutique financial advisory practice grounded in Nelson
Nash’s Infinite Banking Concept (IBC) and the capital
theory of Carl Menger and Frank Fetter.

griggs

Six chapters, 237 pages, published December 2024

The Recommended Treatment for Social Media Marketing Fatigue

Demystify the mechanics of participating whole life insurance. Discover the connection between Nelson's principles and modern policy design. Sharpen your strategic perspective for maximum productivity in your policy management and agent interactions.

Hardcover | Paperback | Audiobook | E-Book

Hardcover | Paperback Audiobook | E-Book

 Seven Part Lecture Series, 07:47:30 Total Runtime

Whole Life Insurance Mechanics

Literally-free, No-Ad, course-style IBC education. Frequently mentioned (usually positively)
unsolicited on Reddit and Facebook. Best enjoyed simultaneous to or immediately after a
thorough reading of Nelson Nash's Becoming Your Own Banker.

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    Part 1: Series Introduction

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    Part 2: Policy Infrastructure

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    Part 3: Modified Endowment Contracts & Term Riders

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    Part 4: Non-Forfeiture Options & Policy Loans

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    Part 5: Direct and Non-Direct Recognition

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    Part 6: Case Studies

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    Part 7: Series Conclusion

100+ Co-Hosted Episodes, Est. 2019

Banking with Life

Unscripted, unflinching dialogue on personal finance, Austrian Economics, and more.

Join the Private Platform

Our aim is to set the standard for Client Support. Join for free and get to know us better with access to a special, three part introductory video series. After your initial consultation with Ryan, your upgraded permissions will unlock additional educational material to support you in your advisory consultations with Ryan and throughout your IBC journey. New material is added on an on-going basis.

  • Free

    Get to Know Us Video Series

    8-Page New Client Preparation PDF

  • Client-Only [Forthcoming]

    Company/Policy-Specific Downloads

    Video Walkthroughs

    Advanced IBC Strategy Lectures

Frequently
Asked Questions

The Banking With Life Podcast is the number one podcast for all things Infinite Banking. Join James Neathery as he speaks with guests, clients.

  • Griggs Capital Strategies LLC is a Texas based single-member Limited Liability Company (LLC) where Ryan Griggs is the sole member-manager. The company is licensed in its home state of Texas to sell life insurance. It maintains and actively obtains “non-resident” licenses to sell insurance in other states in order to serve clients residing in those states.

    Griggs Capital Strategies is the main point of contact for members of the public who wish to work with Ryan Griggs in order to acquire dividend-paying whole life insurance built for the Infinite Banking Concept (IBC); it is the host domain to howtobuywholelife.com where visitors can purchase hardcover and paperback versions of Ryan’s book How to Buy Whole Life: A Framework for Becoming Your Own Banker; and it’s where visitors and clients can create and access the GCS Private Platform for restricted access to both free and paid educational resources.

    It’s basically the digital headquarters for Ryan Griggs’ businesses.

  • Ryan Griggs is the founder and principal advisor of Griggs Capital Strategies. He is the author of How to Buy Whole Life: A Framework for Becoming Your Own Banker—the first, and probably still only, book on the philosophy behind whole life insurance design for the purposes of the IBC. He is the creator of the Whole Life Insurance Mechanics YouTube series and frequent co-host of the Banking with Life podcast.

    Ryan is from Southern California. He earned his BA and MA in Economics from California State University, East Bay in 2015 and 2016, respectively. He met Nelson Nash at one of Nelson’s final two-day, ten-hour seminars in May of 2016. He was a student, friend, and mentee of Nelson’s for the last three years of Nelson’s life, enjoying regular phone calls, emails, and occasional in-person visits over that time.

    Ryan’s initial career ambition was to become a professor of economics, specializing in a particular school of economic thought called the Austrian School. To that end, he completed one year of a four year PhD program in Agricultural and Applied Economics at Texas Tech University in Lubbock, TX. The experience was successful, at least on paper: Ryan passed comprehensive examinations in Microeconomics and Econometrics in the first sitting (along with about half of his class), but grew disillusioned with the prospect of learning, and eventually teaching sound Austrian Economics as a professional academic economist.

    In October 2017, Ryan met James Neathery as part of the Nelson Nash Institute Authorized IBC Practitioner mentorship program. Since then, Ryan has been a licensed life insurance agent based in Texas and operating in nearly every US state.

    Ryan continues to pursue his study in Austrian Economics, expecting to earn a PhD in Austrian Economics through the Universidad Francisco Marroquin in Guatemala City, Guatemala (the only university in the world that offers a doctoral degree in that specific field) in 2026 under the supervision of Mises Institute Senior Fellow and Nelson Nash Institute co-founder Dr. Robert Murphy.

    Ryan is known for his no-holds-barred public speaking style and contrarian approach to the financial services business. He rejects “promotion-style” business practices including cold calls, cold emails, sales and click funnels, and sales scripts, opting instead for the “attraction” approach that emphasizes education, visibility, and intention in client interaction.

    Ryan resides in Rockwall County, TX with his Great Dane Lucy.

  • Yes. Life insurance sales is the primary business activity of Griggs Capital Strategies LLC. Secondary business activities include the distribution of free and paid educational resources pertaining to life insurance, the Infinite Banking Concept (IBC), personal finance, and Austrian Economics.

  • Griggs Capital Strategies LLC is based in Rockwall County, TX and carries a resident life insurance sales license in that state. New licenses for life insurance sales to residents of other states are obtained and maintained as the opportunity to serve clients residing in those states arise. Ryan Griggs, the sole member-manager of Griggs Capital Strategies LLC, carries and obtains life insurance sales licenses in the various states as well.

    Griggs Capital Strategies operates entirely on a remote and virtual basis, conducting its activities via phone and web-based communications across the country.

  • Categorically, no.

    Neither Griggs Capital Strategies nor Ryan Griggs carries, nor do they seek to obtain, licenses in investment, tax, or legal domains. Individuals are strongly encouraged to seek advice from licensed and qualified professionals in these domains whenever their financial decisions involve these areas.

  • Griggs Capital Strategies receives commissions for the sale of life insurance from life insurance companies and it receives revenue from the sale of educational material available at griggscapitalstrategies.com. On occasion, Griggs Capital Strategies receives fees for consulting services.

    Life insurance clients are not charged or billed for services pertaining to the acquisition of life insurance through Griggs Capital Strategies. No purchase on griggscapitalstrategies.com is expected or necessary in order to acquire life insurance through Griggs Capital Strategies.

  • Griggs Capital Strategies and Ryan Griggs no longer provide coaching or mentorship services to those seeking to become a life insurance agent specializing in the Infinite Banking Concept (IBC).

    A full essay on this subject is available here.

  • The first thing to do is to create your free profile at platform.griggscapitalstrategies.com. There you will find the three-part video series Doing Business with Griggs Capital Strategies and an 8-page PDF that provides an overview of our New Client Preparation and on-going client support processes.

    All new clients seeking to implement the IBC are required to read Nelson Nash’s book Becoming Your Own Banker: Unlocking the Infinite Banking Concept available on Amazon and at the Nelson Nash’s Institute’s web store at infinitebanking.org.

    Furthermore, we strongly recommend watching the seven part lecture series Whole Life Insurance Mechanics available for free on YouTube. Many will also find value in the Banking with Life podcast. The vast majority of Griggs Capital Strategies clients will have already taken these steps prior to engaging with us—in fact, these resources are often the reason why members of the public choose to implement the IBC with us.

    Ultimately, the first step toward acquiring a policy through our office is to request an introductory, no-obligation, 20 minute phone call with Ryan, directly. Please fill out the Request a Call form in the Contact section at griggscapitalstrategies.com.

  • Yes.

    Ryan’s advisory services are reserved exclusively for clients of Griggs Capital Strategies. Outside agent coaching and mentorship, and consulting services to clients of other agents and agencies is not available at this time.

  • No.

    We encourage those who are interested in these products to contact other qualified and licensed professionals.

    For those considering implementing IBC with these other products, we recommend Chapter 9: My Thoughts on Universal Life, Variable Life and Equity Indexed Universal Life in Nelson’s second book Building Your Warehouse of Wealth: A Grassroots Method of Avoiding Fractional Reserve Banking—Think About It! An excerpt from that chapter, written by Todd Langford follows:

    “As stated earlier, all Universal Life policies are a side fund (money market for regular UL, mutual fund-like separate accounts for VUL, and index fund-like accounts for EIUL) plus annually renewable, or one year increasing premium term insurance for the death benefit.

    #10 Internal costs are not guaranteed
    #9 Morality charges are not guaranteed
    #8 Market drops cause double pain
    #7 Late premiums kill any guarantees
    #6 Dividends from the index don’t get credited
    #5 Participation ratios are often less than 100%
    #4 Returns are usually capped at various interest rates
    #3 Guarantees are not calculated annually
    #2 All of the above can be changed by the company
    #1 The risk is shifted back to the insured”

    —pp. 75-76

  • Clients report several reasons for choosing Griggs Capital Strategies to implement the IBC in their own lives. Some of these include:

    • Our “slow-and-low” educational approach

    • What they learned on the Whole Life Insurance Mechanics series

    • Reviews and testimonials they found on Reddit

    • What they learned in the How to Buy Whole Life book

    • What they learned on the Banking with Life podcast

    • Our prioritization of on-going client support after the initial sale of a policy

    • Direct access to Ryan Griggs

    • The methodical, IBC-centric approach to company selection

    • The methodical, IBC-centric approach to policy design

    • Our responsiveness to client inquiries

    • Our emphasis on traditional, Nelson Nash-style IBC and rejection of new-age marketing approaches

    • Our staunch, public defense of and advocacy for Nelson Nash’s IBC

    • The integration of the lessons of Austrian Economics with personal finance

    • A high-touch, interactive approach to managing the life insurance application and underwriting process

    • Our near 100% persistency ratio (percentage of policies sold that clients actually keep)

  • We appreciate that some in the IBC space have recommended contacting a life insurance agent or agency to request a life insurance illustration or “quote.” We do not participate in this practice.

    A thorough line-by-line review of the relevant life insurance policy illustration(s) comes at the conclusion of an educational advisory process. Even then, a whole life insurance illustration is not a policy contract. Pre-application illustrations should only be understood as approximate drafts of a potential life insurance policy, and as confirmation that the policy discussed is the policy for which one will apply. An offer of insurance and the relevant policy contract, which one should compare to an accompanying whole life insurance illustration, is only available at the end of an underwriting process—which comes after an application for insurance is submitted, and after a proper advisory process.

    We provide a substantial amount of information through our New Client Preparation process, so that applicants always have the necessary information at hand in order to make informed decisions. We do not distribute information that we do not know to be reliable and actionable.

Get in Touch

Interested in becoming a client? Use the form below to request your introductory call. While you're here, consider creating a free profile for access to more resources on what it's like to work with us.

Complimentary | No Obligation | 20 Minute Phone Call

Complimentary | No Obligation 20 Minute Phone Call

 

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