About | Managing Partner
Jerrica Coyle
Managing Partner at Ninja Credit Consultants. She runs onboarding, client service, content, and the operational side that decides whether any of the advice actually gets implemented. She also holds an active insurance producer license and chose not to sell on it, which tells you something.
A real photo of Jerrica. Same reasoning as Ian's page.
1200 x 750What she does
The half of this business that makes the other half work
Advice is worth nothing if it never gets implemented. Jerrica runs the part where plans turn into filings, accounts, documents, and follow-through, which is the part most consultancies are worst at.
- Setups and onboarding. Getting new clients from "here's the plan" to the work actually being underway.
- Client service. She's been serving clients directly for years, alongside Ian rather than behind him.
- Administration. The filings, the tracking, the deadlines, the things that quietly fall over when nobody owns them.
- Content and writing. A good share of what you read on this site.
- Teaching, not selling. She holds an active producer license and no longer sells on it. What she does instead is explain how these products work, in particular the infinite banking strategy, which she has taught for years and which almost nobody explains without a commission attached.
Background
Credentials, stated plainly
- Role
- Managing Partner, Ninja Credit Consultants LLC. She earned the title in 2025, after years doing the work rather than as a formality.
- Education
- Bachelor's degree in Business Administration, graduated with general honors, with a focus on organizational behavior - the study of how people actually behave inside organizations, which turns out to be directly useful when the job is getting plans implemented.
- Insurance license
- California producer license 4514899 - Life, and Accident & Health or Sickness. Active, expiring 31 December 2027. National Producer Number 22061981.
- Resident state
- California
- Also licensed in
- Illinois, Missouri, New Jersey, North Carolina, Oklahoma, South Carolina, Tennessee, Texas
- Does she sell insurance?
- No. She decided selling wasn't the work she wanted, and NCC doesn't sell, solicit, or earn anything on insurance. Anyone who wants coverage gets referred out. The full explanation ->
We publish the license number because you should be able to check it, and because a licensed person who isn't selling is a more useful person to ask. There is no commission riding on what she tells you.
Why that background matters here
Organizational behavior isn't an obvious fit, until you watch what goes wrong
Most of what fails in this work isn't technical. Somebody knows what to do and doesn't do it. A business has a plan and nobody owns the next step. A filing deadline passes because it lived in one person's head.
Studying how people operate inside organizations is directly applicable to a job that's largely about making sure things actually happen - on the client's side as much as ours. Processes don't improve themselves, and left alone they tend to get worse out of sheer habit.
It also means she's genuinely good with people, which matters more than it should have to in an industry where most first conversations are a qualification script.
The insurance side
A separate line, deliberately kept separate
Insurance is regulated differently from credit consulting and licensed state by state, so it has its own page, its own disclosures, and its own boundaries.
Nothing about an NCC credit, formation, or funding engagement requires or involves buying insurance, and nobody gets routed from one into the other. If you came here for credit help you will never hear about this from us unless you ask.
What she will talk your ear off about
The subject she teaches for free
Jerrica came across the infinite banking concept through R. Nelson Nash's work and has been explaining it to anyone who will sit still ever since. It is a way of using a participating whole life policy as the place you borrow from instead of a bank.
Most people have never heard of it, and the ones who have usually heard it from somebody earning a commission on the answer. That combination - genuinely useful, almost never explained straight - is the reason it gets a guide on this site rather than a sales page.
We use the strategy ourselves and we will walk you through the mechanics in as much detail as you want, including the parts that argue against it. We sell no insurance and take no commission, so there is nothing riding on what you decide.
More
Read further
Got a question about getting started?
It reaches a real person. If it turns out to be an insurance question, you will get the explanation and then a referral to somebody licensed to sell, because that is not us.