We're changing the way you or your business leverage insurance.

One-Time Transfer

Transfer money ONCE and create a forever asset that only increases in value.


Use each dollar TWICE. When you pull from this asset, your future growth may not be affected.


No mandatory terms to discourage you from touching your money.

Construct a positive interest environment that allows you to create

Forever Insurance

Ensure that your loved ones will receive a payout no matter what happens in the future.

Investment Hedge

Protect against risk in your portfolio and ensure liquidity during inevitable market downturns.

Leveraged Reserve

Create a liquid and accessible safe money vehicle that earns guarantees and outperforms inflation.

Interest Arbitrage

Increase your positive interest and minimize your net interest liability.

and maximize all of the benefits of life insurance

Death Benefit

If you pass away, your beneficiaries receive a multiplied amount ... not just what you invested into the policy.

Permanent, Guaranteed Growth

Receive guaranteed growth from insurance companies that have been liquid for over a century.

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Dividend Potential

Potential to earn dividends in addition to guarantees ... can be received as cash or used to maximize your benefits.

Living Benefits

Option to pull from the death benefit amount early in case you are diagnosed with a chronic, critical, or terminal illness.

... with only ONE transfer of funds.

Compare it to real estate.

Term Insurance

Paying for term life insurance is like renting an apartment. You have no "ownership". Although you have somewhere to live, if you stop paying rent and are evicted ... you leave with nothing. If you stop paying premiums on or outlive a term policy and get "evicted" ... you also leave with nothing.

"Permanent" Insurance

Paying for "permanent" cash value insurance is like paying a mortgage. You "own" the home but your lender owns the mortgage and you can only stay as long as you make payments. If you stop, your home goes into foreclosure and you'll get any net equity you're entitled to ... but you'll lose the home. If you stop paying premiums on a "permanent" policy and enter "foreclosure", you'll get whatever net cash value you're entitled to ... but you'll also lose the coverage you "owned".

SmartLock™ Insurance

Purchasing a SmartLock™ policy is like paying for a home with cash. You own the home outright and don't need to make any future payments. You create flexibility for yourself and have the option of buying more property in the future or staying with what you have. When you purchase a SmartLock™, you own it forever ... and unlike other policies, you can't lose it because of a term running out or missed payments.

Forget what they say ... here's the truth.

99% of term policies never pay out a claim. This is due to most people letting their policies lapse.
8 out of 10 consumers overestimate the expense of getting a life insurance policy.
83% of Americans would consider life insurance as a purchase if it was easier to understand.

*According to Forbes and TheZebra

Get it and forget it.

Insurance is important, but it only matters if you have it when you need it. Instead of adding an unnecessary expense, purchase it outright ... without a recurring bill.