Safe Retirement Planning: Grow your nest-egg every year – whether stocks go up, down or sideways

Bank On Yourself kept us sane during the stock market crash of 2008. Everything that was not in Bank On Yourself plans lost 32%, but our Bank On Yourself plans grew. Our goal with it is to be free of all interest payments to lenders and to secure a retirement income stream we could count on.”

The Wilder Family

The Wilder Family


Do you know how much your retirement account will be worth in 10 years, 20 years, or on the day you hope to tap into it?

If you’re like most Americans, you don’t have a clue! You may hope it’ll be worth a certain amount, but do you actually know how much you can count on having at any given point in the future?

If you can’t answer that question, you don’t have a plan! You’re gambling.

Will you outlive your money?

“The average U.S. family with a head of household age 60-70 has saved only 25% of what it will need for retirement,” according to the AARP Oct 2011 Bulletin.

New studies show that most baby boomers have been forced to delay their retirement by an average of five years. It’s a disaster in the making, made even worse by the fact that 40% of people are forced to retire sooner than they planned. (Source: “Middle-Income Boomers, Financial Security and the New Retirement,” study by Bankers Life and Casualty Company Center for a Secure Retirement, May, 2011).

Surveys show most Americans are scared to death of outliving their money – and for good reason: They have the majority of their savings invested in the volatile, unpredictable stock market.

Yet they continue to hold on to the hope that Wall Street will make them wealthy – if only they stick with it long enough.

Hogwash! The only thing Wall Street guarantees you is that they get paid whether you win or lose!

Wall Street has been astonishingly successful in brainwashing us into believing we have to risk our money in order to grow it.

Here’s what the Wall Street fat cats are desperately hoping you don’t figure out: You can bypass Wall Street altogether and grow your wealth safely and predictably every single year – even when stocks, real estate and other investments tumble.

A retirement fund you can truly count on

The Bank On Yourself method uses a turbo-charged variation of an asset that has increased in value during every single market crash and in every period of economic boom and bust for more than 160 years – dividend-paying whole life insurance.

But we’re not talking about the kind of whole life policies that are ridiculed by financial gurus like Suze Orman and Dave Ramsey. Dividend-Paying Whole Life is different, especially when you boost your cash value with a “Paid-Up Additions Rider” that grows your cash value up to 40 times faster than traditional whole life policies, while reducing the agent’s commission by 50-70%.

When you request a free Analysis, you’ll receive a referral to one of only 200 financial advisors and insurance agents in the country who have met the rigorous training and requirements to be a Bank On Yourself Authorized Advisor. These advisors are masters at helping you find money you didn’t know you had to fund your plan.

The Bank On Yourself method lets you:

  • Never again suffer another losing decade in your financial plan… or even a single lost day
  • Look forward to opening your account statements, because they always have good news and never any ugly surprises
  • Grow your savings by a guaranteed and predictable amount every year
  • Fire your greedy banker and credit card companies and become your own source of financing – get access to money when you need it on your terms by answering just one question: How much do you want?
  • Have a financial safety net to see you through life’s inevitable challenges and emergencies
  • Enjoy true financial security that comes from knowing you have a rock-solid financial foundation and a chunk of your hard-earned dollars in a plan that goes in only one direction – UP
  • Have the peace of mind that comes from knowing the answer to the question, “Do you know what your retirement account will be worth on the day you plan to retire?”

Bank On Yourself gives you a predictable retirement income…

Stop playing what could be retirement-plan roulette and have the peace of mind that a predictable retirement income stream brings. In Pamela Yellen’s best-selling book, she paints a life-journey based on the real experiences of multiple families showing how a typical family could:

Famous People Who Use the Bank On Yourself Method:

Did you know that Walt Disney borrowed from his life insurance policy in 1953 to fund Disneyland when no banker would lend him a dime? Or that, following the 1929 stock market crash, J.C. Penney borrowed from his life insurance policies to meet the company payroll? And in 2002, Doris Christopher sold her kitchen tool company, The Pampered Chef, to Warren Buffett for $900 million. She had launched the company seven years earlier with a life insurance policy loan.

  • Fund their policy primarily by redirecting money they had been contributing to the 401(k) plans they felt they couldn’t count on
  • Retire the year they both turned sixty-eight, as they had planned all along
  • Access close to $1.25 million, at the time they retired
  • Grow their retirement fund even after spending for foreign travel, new cars every four years for each of them, and medical bills
  • Take a retirement income of around $70,000 a year, just from the first two policies they started, for a total of $2.31 million over thirty-three years of retirement, because their plans continued to grow while they were taking retirement income
  • Have the comfort of knowing that if either one of them died, the other would receive the full current death benefit of the policy, less any outstanding loans

All the details of this couple’s story are revealed in chapters 3 – 6 of Pamela Yellen’s best-selling book.

How does your retirement plan compare?

Our team has done their homework. Now it’s your turn. Learn how the Bank On Yourself concept beats the pants off of traditional saving and investing strategies. And a $100,000 cash reward is waiting for the first person who has a different strategy that can match or beat the advantages of Bank On Yourself.

Would you like to find out what your bottom-line numbers and results could be if you added Bank On Yourself to your financial plan? Simply request a FREE analysis below.


What is Bank On Yourself?

It’s a way to grow your savings safely and predictably, based on a financial asset that has increased in value by a guaranteed and predictable amount every single year for more than 160 years.

It relies on a specially-designed, little-known type of dividend-paying whole life insurance policy with specific riders added to it that grow your cash value up to 40 times faster than a traditionally designed policy.

Your money is protected by a multi-layer safety net and stringent regulations placed on these insurance companies.

All plans are custom tailored by Authorized Advisors with special training in this method.

Why request an Analysis?

The purpose of this Analysis is to show you the bottom-line, guaranteed growth you would get in a plan, including how much you would have on the day you plan to retire.

You’ll also know the minimum guaranteed income you could take each year in retirement, and have the peace of mind of knowing your money will last as long as you do.

Your policy will be custom tailored to your unique financial situation, goals and dreams.

Worried about finding the money?

The Bank On Yourself Authorized Advisors are masters at helping people restructure their finances to free up more seed money to fund a solid plan that can help you reach your goals – without the risk, volatility or restrictions of traditional retirement savings plans.

After you see your Solution…

You will know if the plan makes sense for you or not. If it does, the Advisor selected for you will help you implement the plan and provide ongoing guidance on using it to maximize your retirement savings, increase your lifetime wealth and minimize your taxes.

Bank On Yourself can also help you…

  • Save for College Without Going Broke
  • Finance Business Equipment and Related Purchases
  • A Source of Emergency Cash
  • Reduce Debt and Increase Savings

More than 400,000 people are enjoying these benefits today because they have rejected the conventional financial “wisdom” and are now in control of their financial well-being. Bank On Yourself was established in 2002 to educate Americans about this proven way to have a rock-solid financial plan, with no luck, skill or guesswork required.

If you’d rather print out and fax or mail your request, you can download and fax a PDF version of this form.

You can also download our FREE 18-page Report detailing how the Bank On Yourself method works.

About: On this site and in Pamela Yellen’s best-selling book, you can learn how the Bank On Yourself method is helping hundreds of thousands of people grow their nest-eggs safely and predictably, even while stocks, real estate and other investments tumble. Although Ms. Yellen is not a financial advisor or insurance agent, she has served as a consultant to the financial services industry since 1990.

Note: The Bank On Yourself system uses generally available whole life policies and riders. The information presented here is for educational purposes only and is not a solicitation for the purchase of any insurance or financial product. Guarantees are based on the insurer’s claims-paying ability and financial strength.

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