Insurance is important, but it only matters if you have it when you need it. Instead of adding an unnecessary expense, purchase it outright ... with ONE premium.

Unique Value

With one lump-sum payment, your beneficiaries will receive a tax-free death benefit.

Access to Funds

In case of an emergency, access tax-deferred cash growth while you're alive and create flexibility with your finances.

Competitive Return

Receive an immediate increase in the death benefit amount and cash growth that outpaces most alternative saving vehicles.

Consider this

Insurance is an asset that can be compared to real estate.

Term Life 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" Life 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".

Smart Lock Life Insurance

Purchasing a Smart Lock 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 Smart Lock, you'll always have coverage and maintain control of your asset ... no matter what happens in the future.

Here's what the numbers say

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

Check out this quick intro

"I know that I need insurance but I really do not want to add another bill to my finances."

Here's why it can beat the alternatives

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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Dividends

Potential to receive dividends on top of the guaranteed growth ... which multiplies the cash growth and death benefit even more.

Living Benefits

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

Get it and forget it.

The idea of paying life insurance premiums for a long time can be a daunting thought. Whether you currently have a cash value life insurance policy and don't want to pay your premiums anymore, had a policy in the past and could not continue premium payments, or have never had life insurance at all ... don't leave your future to chance. If you want to protect your safe money and pass it on to your beneficiaries while maintaining access and control: this is the perfect solution.