Bank On Yourself Reviews

With our record of success and research into other savings and investment vehicles, we believe the Bank On Yourself method of utilizing super-charged dividend-paying whole life insurance is the best way to achieve your long-term financial goals. However, don’t just take our word for it – read what real people are saying about Bank On Yourself in the reviews below!

Jon Bowsher

“We used Bank On Yourself to raise $100,000 for our church.”

-Jon and Lee Bowsher
Columbus, OH

“Our church came up with a great fund-raising idea that required some funding. We were blessed to be able to use our plan to help provide it. We’ve gotten our money back and earned $100,000 to fund four church missions. We initially started this as a supplement to our 401(k)’s, but it turns out it’s going to be the primary source of our retirement income.” Watch a quick video to learn how the Bowsher Family used Bank On Yourself to help raise the $100,000.

Dr. Thomas Hesch

“I learned the hard way most agents don’t know how to do this properly.”

-Dr. Thomas Hesch, Albq, NM

“I’ve used the Bank On Yourself method since 2004 and now have six policies. We’ve used them to finance our RV, home renovations, vacations and unexpected expenses. In the process, we’re growing wealth safely and securely for retirement that we can access when and how we want – no taxes due on it.”

Derek Logan

“I know the exact minimum guaranteed amount I’ll have in my plan in 15 years.”

-Derek Logan, Simpsonville, SC
Corporate Controller

“I did all the right things I was taught to do since age 10 – setting goals, having a budget system, maxing out my 401(k) and having my home paid off by age 45. I had met all my goals but one – being able to retire at a specific age with a specific amount of money, so I was determined to find a better way. Bank On Yourself is everything that was promised and more.” Check out this interview with Derek.

Mr. & Mrs. Bowling

“Eliminated $81,000 in yearly payments and interest to banks.”

-Mr. & Mrs. Bowling, Amarillo, TX
Air Traffic Controller/Dry Cleaner

“Bank On Yourself helped us create a retirement plan and a way to pay for college for our two children. In addition, almost $7,000 per month we were paying to banks is now going into our Bank On Yourself plan.”
Read more about the Bowling’s »

Glyn Milburn

“I like being able to leverage the equity in my policies for major purchases.”

-Glyn Milburn, Los Angeles, CA
Former NFL Player and Entrepreneur

“My family is secure in the knowledge that our funds are backed by a proven 100-year-old strategy. Bank On Yourself helped us purchase two new family vehicles. We’re paying ourselves back and continue to see our policies grow every year. We’re also using it to help pay for college expenses for our two children.” Read more about Glyn »

Robert Chambers, Jr

“I almost didn’t call the Bank On Yourself Authorized Advisor I was referred to.”

-Robert Chambers, Jr., Carmel, CA.
Retired Naval Commander

“When I first heard about Bank On Yourself, I thought it was another investment scheme and almost didn’t look into it. I’m glad I overcame my concerns – it’s now the pillar in our financial plan. I hope you also overcome your concerns and find financial independence so you can enjoy life on your terms.” Read an indepth interview with Commander Bob »

Rose Hillbrand

“By far the best financial decision I’ve ever made.”

-Rose Hillbrand, Columbus, OH
Director of Sales and Marketing

“I started this in 2004 and it works exactly like the book says. I know my money is safe and growing at a predictable rate, even in this economy. I’ve used my policies to finance so many things – a car, dream vacation and to pay off some business debt. I recommend it to anyone looking for a safe place to grow their wealth, while still having access to it without penalty.” Check out Rose’s interview.

Dr. Bryan Kun

“At age 50, I realized I need more guarantees than gambling with my retirement savings.”

-Dr. Bryan Kuns, Castalia, OH
Family Medicine

” We make a good living, but didn’t have access to the money in our profit sharing plans and 401(k)’s. And we knew we’d have a big tax bill coming. Bank On Yourself is the solution. It isn’t a get-rick-quick scheme, but it does let you get rich slowly and guaranteed.” Check out this interview with Dr. Kuns.

This could be youAre You Our Next Bank On Yourself Success Story?

To see how to fund your plan and how big your nest egg could grow – without the risk or volatility of stocks or other investments – simply request your free analysis.

Get Stared Today.

Dan Olson

“I have more money after six years than from funding my 401(k) for 20 years.”

-Dan Olson, N. Mankato, MN
Store Manager

“It’s a total win! Consistent growth, and never have had a loss. Your money will grow faster than you can imagine. I can use the money as I want for cars, college tuition and vacations. I am paying it back like I want, not dictated by someone else.”

Bill Liebler

“We know the funds will be there when our daughter goes to college.”

-Bill Liebler, Huntersville, NC

“I’ve used the policy multiple times now – the money was delivered to me in three days with no questions asked. Our plans will be a key part of our retirement, while allowing us to leverage the money through our working life as we see fit. You really can set it and forget it.”

Dan Proskauer

“The more I look into Bank On Yourself, the better it looks.”

-Dan Proskauer, Newton, MA
Vice President of IT

“After the crash of 2008, I felt angry and betrayed because I had done all the right things and here I was on the losing end of the stick. I kept thinking there has to be something better. My first thought about Bank On Yourself was it’s got to be a scam, but I’ve now spent literally hundreds of hours investigating Bank On Yourself, and haven’t found the flaw.” Check out this interview with Dan.

Suzi Hersey

“I feel so fortunate to have found Bank On Yourself.”

-Suzi Hersey, Bristow, VA
Real Estate Investor

“I was able to take a loan with no questions asked and no credit check. I’m the one who determines when and how I’ll pay the loan bank. I want to pay the loan back, because I’m recouping the interest I would have paid to a credit card or bank. And by paying it back the way my Authorized Advisor showed me, my plan value increases.”

Paul Hester

“A phone call was all it took to get the money we needed.”

-Paul Hester, Fairbanks, AK
Public Health Veterinarian

“It took almost a year of research into the system before I took the plunge to give it a try. Now I recommend and discuss it with people at least weekly. The best part is that no matter how good anyone says they can do in any other investment strategy, you can always beat it by using the Bank On Yourself system to capitalize the same investment strategy.”

Read more about Paul »

Paul Mareel

“Bank On Yourself only goes up and never down like the stock market.”

-Paul Mareel, Macomb, MI
Senior Network Engineer

“Four months after I started Bank On Yourself, I was in a bad accident and totaled my car. I never thought I’d need to use it that soon, but I called my agent and he asked how much I needed for a new car and how much time I wanted to pay it back and that was it. With Bank On Yourself, you control your own destiny and it’s a great way to save for retirement.”

Read more about Paul »

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Joe Goldsmith

“A powerful and emancipating feeling.”

-Joe Goldsmith, Boston, MA

“At first it seemed ridiculous to pay interest to borrow my own money. But it really works out to borrowing money and getting back all the interest you paid, plus whatever dividend the company pays that year. It gives me great pleasure to tear up the promotions we get in the mail for credit cards and equity loans. I no longer need anyone else’s money since I’m using my own.”

Read more about Joe »

Karl Gayle

“It’s simple and it just makes sense.”

-Karl Gayle, Brooklyn, NY
HVAC Technician

“I used a policy loan to pay off my truck. I saved thousands of dollars in interest to the finance company and pay myself back with interest. I have peace of mind knowing I have a source of funds available to me in times of need. I can pay loans back on my terms and all the interest goes back into my account.”

Norman Robert Griffin

“Banks and Wall Street do NOT want the public to know about this.”

-Norman Robert Griffin, Galway, NY
Elementary School Principal

“It’s basically my own bank and we can write a check to ourselves any time. We’re using it to pay our children’s way through college, so they don’t have to take out student loans. Also, our policy will be saving us thousands of dollars on our mortgage alone!”

Patricia Smith

“I tell my clients about it every day. Simply put… peace of mind.”

-Patricia Smith, Bath, ME
Salon Owner

“I’ve just gotten started, but already I feel more confident about my future than I have in my entire life riding the Wall Street roller coaster. I love knowing that if I am ever in a place where I need money unexpectedly, it will be there.”

Dr. Tim Pitchford

“It’s a savings tool, not a get-rich-quick scheme.”

-Dr. Tim Pitchford, Eau Claire, WI

“In six years I’ll have enough money to pay off two variable interest home remodeling loans, put my kids through college and then start collecting the interest I was paying to the bank. My main goal is to recapture all my interest on things I buy. When I take out a policy loan, it doesn’t decrease the amount of money I have working for me.”

Robert Fontaine

“Bank On Yourself is everything it was advertised to be and more.”

-Robert Fontaine, Hopkinton, MA
Sr. Business Systems Analyst

“At first, Bank On Yourself sounded too good to be true. I had been looking for a safe place to put my money where it can still grow, I wouldn’t have to worry about losing it, but not locked up so I couldn’t use it along the way. The more I researched BOY, the more convinced I became it was the right move for me.”

Read more about Robert »

Jake Hightower

“I would recommend it to everyone.”

-Jake Hightower, Lakewood, CO
Telephone Engineer

“The conservative life insurance companies used by Bank On Yourself are the closest possible guarantees in today’s financial market. I’m almost 65 and my term insurance policies are about to expire. I will cancel them and buy a Bank On Yourself policy.”

Kevin Grutzmacher

“My wife and I stopped our 401(k) contributions, routing those funds to Bank On Yourself.”

-Kevin Grutzmacher, St. Paul, MN
Public Relations

“When I first heard about this, I thought ‘scam-scam-scam.’ Now I’ve changed my mindset about the ‘magic’ of 401(k) and traditional savings accounts. I like the (currently) tax-free distribution feature of Bank On Yourself.”

Read more about Kevin »

Ken Swider

“I like the concept so much I’m getting licensed so I can help others.”

-Ken Swider, Detroit, MI
Sales Manager

“I was able to put a lump sum of cash into the policy at the very beginning and didn’t have to wait to build up cash value. I immediately took a loan and paid off my truck. Now I’m paying myself back and increasing my cash value even faster.”

This could be youAre You Our Next Bank On Yourself Success Story?

To see how to fund your plan and how big your nest egg could grow – without the risk or volatility of stocks or other investments – simply request your free analysis.

Get Stared Today.

Hugo Schumann

“I can pass on wealth to my family tax free.”

-Hugo Schumann, St. Charles, MO
Quality Assurance Manager

“I’ve used my policy to finance a fence around our new home, a washer, dryer, two boats and a Cadillac.”

Vance Gree

“Wish I had done it 30 years ago.”

-Vance Greek, Rio Hondo, TX
Entertainer & Musician

“My biggest hurdle was to realize that there really is an instrument that’s safe and faithful in producing what was promised. After much study, I finally pulled the trigger and have never regretted it. I am president of a non-profit corporation and purchased policies on all the board members and officers.”

Lowell Warner

“Bank On Yourself is a more secure way of saving.”

-Lowell Warner, Indianapolis, IN
Medical Sales

“After losing tens of thousands of dollars in the market and being 45, I was tired of it and needed to try a different way. My money is now consistently growing through guaranteed increases and dividends. It gives me peace of mind.”

Read more about Lowell »

Jim Smith

“I feel secure knowing I won’t lose money like I have in the market.”

-Jim Smith, Ferndale, WA
Refinery Operations Technician

“I have recommended Bank On Yourself to others, but most don’t understand the true benefit. I plan to run most of my major expenses through my policy, as it builds more cash value and I like being able to pass on a large tax-free benefit to my estate.”

David Shelton

“I didn’t want to have to ask for permission to use my money.”

-David Shelton, Fort Worth, TX
Healthcare V.P.

“I had very limited control of my money in my 401(k). I couldn’t put in as much as I wanted, and I needed permission to borrow my own money, if necessary. Bank On Yourself gives me control over my money. We’re also using it to pay for our two sons’ private school education in one installment to take advantage of a discount.”

Debbie Wilder

“Kept us safe and sane during the stock market crash.”

-Debbie Wilder, W. Hartford, CT
Administrative Assistant

“We started Bank On Yourself seven years ago and now have 13 policies. When we were maxing out our 401(k)’s and IRA’s, we were only up 2% TOTAL over a 14-year period! Our BOY policies never go backwards and the increases are guaranteed and predictable. We’re excited to watch our policies grow.”

Gene Pittman

“Once you understand this, you’ll jump in with both feet and never look back.”

-Gene Pittman, Amarillo, TX
Sr. Operations Analyst

“We’re using Bank On Yourself to get out of debt, reach our retirement goals and for our sons’ college. When everyone says how much they lost in their 401(k)’s, I tell them how much my Bank On Yourself plan is growing. This will be the best thing that ever happens to your family.

Dr. Harry Peatt

“I recommend this program to anyone.”

-Dr. Harry Peatt, Roxbury, CT

“The first thing I did is use my Bank On Yourself plan to pay off my debt, to be able to regain the interest I was paying to banks. I started this when I turned 67. I’m using it to finance home improvements and to provide a legacy for my children.”

Mr. & Mrs. Gammon

“There’s nothing more comforting than knowing our money is safe.”

-Mr. & Mrs. Gammon, Columbus, OH

“We started our first policy in 2003 and have added additional policies. We’ve used them to fund our real estate investment business, fund our sons’ college educations and to redirect much of our discretionary income to charitable causes. The program will work for anyone who uses it correctly.” Watch the Gammons’ story on video.

Ken Pederson

“Financial confidence and no fear of market fluctuations.”

-Ken Pederson, Lancaster, PA
Mortgage Banker

“Bank On Yourself gives me financial confidence, financial health and well being. Less stress, less worry, less time reviewing my holdings. I’m not draining my liquid assets when I need funds… I borrow and pay back, borrow and pay back – and my assets keep working for me.”

Don’t envy 'em, join ‘em! Learn how...

Get instant access to the FREE 18-page Special Report, The Ultimate Safe Wealth-Building Strategy, plus a free chapter from the New York Times best-seller, The Bank On Yourself Revolution.

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Primary Email:*

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Joni Schultz

“My advice is to go ahead and do this.”

-Joni Schultz, Phoenix, AZ
Hospital Department Head

“I’ve been doing this since 2002. We’ve used it for remodeling our home, adding solar heating and to pay for going back to school to finish my degree. I spent 28 years putting a significant amount of money in my 401(k) and lost a lot in the crashes. Bank On Yourself gives me peace of mind.” Discover how Joni used Bank On Yourself to take advantage of profitable opportunities.

Alan Twelkemeier

“Now we’ll be able to take a vacation every year – without the guilt!”

-Alan Twelkemeier, Decatur, AL
Media Sales

“The first way we used Bank On Yourself was to take a vacation to Mexico – the first true getaway for my wife and me since we were married eight years earlier. You don’t have the guilt associated with putting the cost on a credit card or using your savings to pay for it. I cashed out my 401(k) plan from my former company to get started.”

Jody Cooper

“Tax advantages, guaranteed growth, less government interference.”

-Jody Cooper, Tampa, FL
Real Estate

“It sounded too good to be true, but I read everything I could find and even the bashings couldn’t turn away my interest. Just a few months after starting, I have a great feeling of dual results – a process to prepare for my retirement years, and knowing I’ll leave a legacy for my family.”

Jody Cooper

“Builds our wealth safely and reliably day in and day out.”

-Charles Russell, Las Cruces, NM
Real Estate

“Bank On Yourself is a good, safe, productive way to build wealth month by month, year in and out, for making purchases and for planning for retirement. It has stabilized our financial situation and offers protection should my wife or I die or are unable to work anymore. It feels good to know our money is available when needed.”

This could be youAre You Our Next Bank On Yourself Success Story?

To see how to fund your plan and how big your nest egg could grow – without the risk or volatility of stocks or other investments – simply request your free analysis.

Get Stared Today.

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