Bank On Yourself Will Beat Your Financial Strategy…or We’ll Pay You $100,000!*

Compare your BEST saving, investing or retirement planning strategy to the 18 advantages and guarantees of Bank On Yourself listed below…

Does your favorite strategy give you this benefit?

    1. It increases by a contractually guaranteed amount each year
    YesNoI wish

    2. Your principal doesn’t lose value due to a stock or real estate market crash
    YesNoI wish

    3. Your plan is administered by a company that's been in business over 100 years and is so rock-solid, that it’s independently rated as one of the financially strongest financial services companies in the world
    YesNoI wish

    4. If the company that holds your account experiences financial results that are better than their projected "worst-case" scenario, you may also receive a dividend, in addition to your contractually guaranteed minimum annual increase (dividends are not guaranteed, however, the companies preferred by Bank On Yourself Professionals [specially trained life insurance agents] have paid dividends every single year for more than 100 years, including during the Great Depression)
    YesNoI wish

    Read more about the Bank On Yourself Professionals

    5. Once credited to your account, both your guaranteed annual increase and any dividends you may have received are locked in – they don't vanish because stocks or real estate tumble
    YesNoI wish

    6. You have peace of mind knowing that your growth (as well as your principal) in the plan are protected by a multi-layer safety net
    YesNoI wish

    Read more about the multi-layer safety net

    7. You don't have to depend on luck, skill, or guesswork in choosing the right stock, mutual fund or other investment, and you can stop chasing after the best way to invest your money
    YesNoI wish

    Read more about the best way to invest money

    8. If you pay for major purchase by borrowing your equity from your plan to pay cash for these items, and then pay your plan back with interest (just as an outside lender would have required you to do), you could ultimately recapture most or all of the interest you'd otherwise pay to financial institutions, and never see again
    YesNoI wish

    Read more about paying for major purchases

    9. When you pay for things as described above, you could also recapture those dollars in your plan, so you can use them again
    YesNoI wish

    Want to find out how much more lifetime wealth you may be able to have by making major purchases this way? Request a free Analysis now.

    10. Your plan comes with tax advantages. It's possible to get your hands on both your principal and growth with little or no tax consequences, under current tax law. Dividends you leave in your policy are not taxable. And dividends you take out are not taxed until they exceed the amount you put into the policy (your "cost-basis"), at which point you could switch to borrowing against your "cash value" tax-free, as long as the policy remains in force (as spelled out in IRS Tax Code, Section 72)
    YesNoI wish

    11. You are in control of the equity in your plan, and you don't have to sell or liquidate your plan, investments or assets to get your hands on your equity
    YesNoI wish

    12. You can borrow your equity in the plan and use it to buy things or to invest in anything you want, while your plan continues to grow as though you never touched a dime of it. (With the policies and companies preferred by Bank On Yourself Professionals, you receive the same guaranteed annual increase, plus any dividends that may be credited, regardless of whether you have a policy loan. Loans that are never repaid will, of course, lower policy values). You can't be turned down for a loan (as long as you have equity in the plan), and you don't have to fill out any nosy credit applications. If an emergency comes up and you have to reduce or skip some loan repayments, you won't get a black mark on your credit report or harassing calls from bill collectors
    YesNoI wish

    Find out more about Bank On Yourself Professionals.

    13. You can predict the minimum guaranteed value of your plan in any given year (less any outstanding loans you've taken from the plan), as well as the minimum annual income you could take from the plan and for how long, so you don't have to pin your hopes for a secure financial future on luck, skill, or guessing games. (If the company that administers your plan has better financial results than its worst-case predictions, you could have additional growth.)
    YesNoI wish

    14. You can have access to your equity in the plan to provide retirement income – when and how you want it – with no government penalties for "early" withdrawal, or for waiting "too long." There are also no penalties for taking out "too little" each year and no mandatory annual "minimum withdrawal" requirements that are typical of traditional retirement plans (and without the restrictions of 401k withdrawal rules)
    YesNoI wish

    Compare a 401(k) to Bank On Yourself

    15. Your plan has a guaranteed value at "maturity." If you pass on before then, your family and/or favorite charities receive a guaranteed and predictable benefit that can be many times larger than the current value of your plan. And it passes to them income-tax free, according to current tax law (IRC Section 101). What this means is that your loved ones could even get money you intended to save!
    YesNoI wish

    16. The money in your plan may be protected from creditors and lawsuits (consult with legal counsel to determine what's applicable in your state)
    YesNoI wish

    17. Your plan is not dependent on government-sponsored programs like Social Security or Medicare, both of which are predicted to go bankrupt. You also don't need to depend on an employer to keep their pension or retirement plan promises
    YesNoI wish

    18. You don’t have to be a tycoon to get started. The minimum amount required to get started is very low, and there is no upper limit imposed by the government on the total amount you can put in each year (the upper limit is determined by your income and assets)
    YesNoI wish

    Wondering where you'll find the money to fund a plan? There are at least eight common places to free up cash

    How many of these 18 major benefits and guarantees of Bank On Yourself does your best saving, investing or retirement planning method have? As you can see, it’s hard to beat the benefits of the Bank On Yourself method.

    And how many of the advantages listed above do you wish you had?

    NOTE: You could lose some of these important advantages if your policy is from the wrong company or if the wrong product is used, or if your plan is structured incorrectly. It’s not as simple as just calling up your insurance agent or buying any old whole life policy. Our experience has shown that fewer than one out of 1,000 financial representatives have the necessary knowledge to implement this properly, so be sure to work with a Bank On Yourself Professional (a life insurance agent with advanced training on this concept), who has access to the right companies and products, and has the training they need to structure the plan properly, to make sure you get all these benefits!

    You can receive a free analysis that will show you how much your financial picture could improve if you added Bank On Yourself to your financial plan, along with a referral to a Professional.

    *If you use a different wealth-building method that does give you all of the above 18 benefits and guarantees of Bank On Yourself, here are the simple rules of the Challenge (and please note this is a Challenge, NO individual skill or ability is involved; we are simply pointing out that the Bank On Yourself concept has no peer among other financial vehicles, strategies or methods of which we are aware, thus the Challenge):

    1. Your savings or investing strategy must be a strategy, vehicle or product that you currently use yourself, and can prove that you use it with objective documentation, if requested, and you must be prepared to prove it meets or exceeds all 18 of the advantages described above.
    2. It must be legal and available in the continental U.S., Alaska, and Hawaii. (No offshore financial vehicles or products will qualify.)
    3. It cannot be a strategy that involves essentially the same product (life insurance) and method as used for Bank On Yourself, even if it goes by a different name.
    4. We must be able to contact you and to gather the additional information to verify the specifics of your strategy. You must be willing to complete an IRS Form W-9
    5. You may not request a confidentiality or non-disclosure agreement for your strategy, and if someone is successful in demonstrating his or her strategy matches or beats Bank On Yourself, the details will be posted on
    6. The first person to provide the proof described in these rules will receive a check for $100,000 and the Challenge will officially end. Any taxes due on the payment are the sole responsibility of the person who collects on the Challenge. Bank On Yourself will issue a 1099 for the amount paid.
    7. We reserve the right to revise or withdraw the Challenge, by posting those details on, and the change or withdrawal will become effective on the date it is posted.
    8. Any dispute arising out of or relating to this Challenge, except for those involving the alleged infringement of Bank On Yourself’s Intellectual Property, that has not been resolved by good-faith negotiations, will be finally settled by arbitration in accordance with the then-current rules of the American Arbitration Association by a sole arbitrator. The arbitration will be governed by the Federal Arbitration Act, to the exclusion of any inconsistent state laws. The final judgment upon the award rendered by the arbitrator may be entered by any court having jurisdiction. The place of arbitration will be Santa Fe, New Mexico. The arbitrators are not empowered to award damages in excess of any lawful limitations on damages provided in this Challenge. The substantive law governing any dispute will be the laws of the State of Arizona. The same statute of limitations applicable in the State of Arizona for the commencement lawsuits will apply to the commencement of an arbitration under this paragraph.

    Request your free analysis now.