Bank On Yourself and Take Control of Your Money and Finances

The Numbers and Facts:


Equivalent annual return with no market risk using Bank On Yourself

160 Years

Number of years in a row this strategy has delivered positive annual growth

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½ Million

Number of families and businesses Bank On Yourself has helped


Reasons why Bank On Yourself
is the real deal

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As seen in the media

Watch this video and discover how to bypass banks and Wall Street altogether!

Conventional retirement planning has failed to deliver financial security and peace of mind to most people. Want proof? In spite of experiencing the longest-running bull market and economic expansion in history…

  • The average 65-year-old is going to outlive their savings by almost a decade, according to the World Economic Forum
  • The typical household nearing retirement has only about $135,000 in their combined retirement accounts – enough to provide them at most $600 per month, according to an analysis of the Federal Reserve Survey of Consumer Finances. And most folks have little or no retirement savings outside of these plans and their home equity
  • Even healthy 65-year-old couples retiring now face an average of $500,000+ in out-of-pocket health care costs not covered by Medicare – almost four times more than the typical couple approaching retirement has saved! (Source: Milliman 2019 Report, Retiree Health Cost Estimates)

If you’re like most people who’ve relied on 401(k)s, IRAs, and similar plans for saving for retirement…

  • You have no clue what your retirement accounts will be worth on the day you hope to tap into them – and you worry when the next market crash will take away 50% or more of your life’s savings AGAIN (as has happened twice just in the last 20 years)
  • You have no clue what the tax rates will be on your retirement savings withdrawals (and most experts believe tax rates can only go UP over the long term) – and even at current rates, you will lose 25%-33% of your savings to taxes (Source: Center for Retirement Research)
  • The fees you’re paying in your 401(k), 403(b) or IRA will devour as much as 40% – or even more – of your account value (Source: Brightscope; U.S. Department of Labor)
  • The only guarantee Wall Street gives you is that they get paid whether you make money or lose your shirt in the next market crash

What more proof do we need that conventional investing and retirement planning strategies aren’t working?

Isn’t continuing to do the same thing with an expectation of different results the classic definition of insanity?

Are there other proven ways to save for a retirement that will likely last longer than you expect and cost far more than you’ve planned for? The answer is a resounding “YES,” but Wall Street, banks, and finance companies are desperately hoping you never hear about them…


Watch this video and discover how to bypass banks and Wall Street altogether!

The Best Way to Invest for Guaranteed Growth, Liquidity, Flexibility, Control and Tax Advantages

Hundreds of thousands of people have opted out of a system where the odds are stacked against you and are using the Bank On Yourself® safe wealth-building method to achieve life-long financial security. See how folks of all ages and incomes are using Bank On Yourself here.

Bank On Yourself is a legitimate retirement plan alternative that lets you bypass Wall Street, beat the banks at their own game and – finally – take control of your own financial future. It can help almost anyone – regardless of age, income or financial sophistication – reach their financial goals and dreams without taking any unnecessary risks. (However, if you spend more than you make, this is not for you. And if you’re looking for a get-rich-quick scheme, you will surely be disappointed.)

What is the Bank On Yourself Method?

Bank On Yourself uses a little-known super-charged version 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.

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Yes, we said whole life… but not the kind most financial “gurus” and advisors love to hate. I prove how this type of high cash value, low commission whole life policy is different from the ones most financial experts know about in this article.

With the little-known policy we’re talking about, you don’t have to die to “win.” In fact, there are (at least) eight “living benefits” you can take advantage of during your lifetime.

It requires a dividend-paying whole life insurance policy with some features added on to it that maybe one in 1,000 financial advisors understands. A large portion of your premium goes into two riders or options that make your money in the policy grow significantly faster than a traditional whole life policy, while reducing the commission the agent receives by 50-70%.

This concept is widely known as “Bank On Yourself,” however, as it has grown in popularity, you may hear it referred to as the 501(k) Plan, the 702(j) plan, the 770 bank account, become your own banker, Infinite Banking®, income for life, invisible bank account or the President’s Account.

NOTE: If your policy isn’t structured properly, it will grow much more slowly, lose the tax advantages, or both. Only 200 advisors in the U.S. and Canada have passed the rigorous training and requirements to be a Bank On Yourself Authorized Advisor. They know how to structure these policies right and which companies offer the best policies for maximizing the power of the Bank On Yourself concept. You’ll get a referral to one of these advisors when you request a FREE Analysis here.

5 Key Benefits of Bank On Yourself…

  1. Enjoy the peace of mind that comes from steady, predictable growth, year in and year out. You’ll always know the minimum guaranteed value of your retirement account on the day you’ll want to tap into it… and at every point along the way.
  2. Bypass banks, finance and credit card companies altogether by becoming your own source of financing for cars, vacations, a college education, starting a business and more. Get the money you need when you need it – simply by asking for it. In fact, famous people like Walt Disney, Ray Kroc and J.C. Penney used this method to start or grow their businesses when no bank would lend them a dime. Learn how Bank On Yourself policy loans work.
  3. Access the money in your plan – with no taxes or government penalties or restrictions – when you want and for whatever you want.2 (Try doing that with your 401(k) or IRA!) Compare your plan to Bank On Yourself. Best of all, the money you take from your policy – whether you use it for purchases or investments – can continue to grow just as if you never took it out! Caution: Only a handful of companies offer a policy with this feature, so be sure to work with an Authorized Advisor who knows which companies to use.

    Learn how to find an Authorized Advisor here.

  4. A better way to save and pay for collegecompare Bank On Yourself to 529 Plans, UGMA’s, UTMA’s and student loans
  5. Learn how special programs for folks up to age 85 work.

How to Get Started…

Discover the step-by-step process for getting started with Bank On Yourself. Wondering where you’ll find the money to fund a plan? Here are eight ways to do that.

Take the $100K Challenge! Bank On Yourself is offering a $100,000 cash reward to the first person who can show they use a different strategy that can match or beat the advantages and guarantees of Bank On Yourself!

How to Take Control of Your Financial Future…

Find out how you can join the Bank On Yourself Revolution and enjoy real wealth and financial security for as long as you live. Request your free, no-obligation Analysis that will show you how much your financial picture could improve if you add Bank On Yourself to your financial plan.

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About Pamela Yellen

Pamela_YellenBank On Yourself founder Pamela Yellen is a financial security expert and author of the New York Times best-seller, The Bank On Yourself Revolution. She investigated over 450 financial products and strategies in her search for an alternative to the risk and volatility of traditional investments. She has appeared on every major TV and radio network, and her articles and interviews have appeared in thousands of publications and websites. Get to know Pamela Yellen.

1 Federal Reserve Survey of Consumer Finances
2 Tax laws may change