Why We Charge a Fee When Brokers Are Free: The Architecture Argument

The Question Every Prospect Asks

When incorporated entrepreneurs learn that the InfiniCap System™ engagement involves a $10,000 professional implementation fee, the immediate reference point is the insurance broker — a professional who recommends and implements life insurance products at no direct cost to the client. The broker's compensation is paid by the insurance carrier in the form of first-year and renewal commissions. Why pay for something that appears to be available for free?

The answer requires understanding what is actually different between the two engagements — not at the surface level of cost, but at the structural level of what is being designed, who benefits from the design, and what the long-term outcome of each relationship produces.

What a Broker Is Designed to Do

An insurance broker is a distribution professional. Their role is to understand a client's insurance needs, match those needs to available products from one or more carriers, and facilitate the application and issuance process. Many brokers are skilled at this. The best brokers have deep product knowledge and provide genuine value in product selection and policy structuring.

The broker's compensation, however, is paid by the carrier — not the client. First-year commission on a participating whole life policy can range from 50% to 100% of the first-year premium, depending on the carrier and the product. Renewal commissions follow in subsequent years. This creates a compensation structure in which the broker's financial interest is aligned with the carrier's interest in distributing product — not necessarily with the client's interest in optimal capital architecture.

A broker compensated by the carrier has a financial relationship with the product manufacturer. An architect compensated by the client has a financial relationship with the client's outcome. These are structurally different relationships with structurally different incentives.

What Capital Architecture Actually Provides

The InfiniCap System™ fee pays for something entirely different from what a broker provides. It pays for a custom capital architecture analysis — a study of your corporate structure, retained earnings profile, tax position, liquidity needs, and multi-decade objectives that produces a specific, integrated recommendation for how your capital should be structured, deployed, and accessed over time.

It pays for the integration of the insurance instrument into the full corporate context — including holding company analysis, dividend strategy, and coordination with your existing accountant and legal counsel. It pays for the design of the internal financing mechanism — the system for accessing capital through policy loans in a way that maximizes tax efficiency and preserves compounding. And it pays for lifetime accompaniment: the ongoing relationship that adjusts the architecture as your business and personal circumstances evolve.

The ROI Argument That Makes the Fee Irrelevant

For most clients, the tax optimization generated by the InfiniCap System™ in the first year alone exceeds the $10,000 fee. A client with $200,000 in retained earnings who was previously investing that capital in a corporate GIC at 5% was paying passive income tax of approximately $5,000 per year on those earnings — at a 50% passive income rate. The architecture eliminates that passive income tax entirely, saving the client $5,000 in year one.

More significantly, the structural savings compound. Every year that capital grows inside the policy rather than in a taxable corporate account represents another year of tax-deferred compounding — a permanent structural advantage that multiplies over time. The $10,000 fee is not a cost. It is a one-time structural investment that generates annual returns in perpetuity. The question is not whether the fee is justified. It is whether the cost of not paying it — and continuing in the existing structure — is acceptable.