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the SmartLock™ System
Insurance
Solutions
We're helping you change the way you utilize insurance.
One-Time transfer
Own it. Forever.
Transfer money once and protect your future cash flow. No monthly bills, no renewal risk, no expiration.
If You Pass Away
Multiplied death benefit
Your beneficiaries receive a multiplied amount, not just what you invested into the policy.
living benefits
Access while living
Pull from the death benefit early if diagnosed with a chronic, critical, or terminal illness.
★ Tax Efficiency
★ Guaranteed Growth
★ Long-Term Care
★ Insurance Benefits
★ A-Rated Carriers
★ One Transfer
★ Tax Efficiency
★ Guaranteed Growth
★ Long-Term Care
★ Insurance Benefits
★ A-Rated Carriers
★ One Transfer
What You Get
Maximize life insurance
life insurance
Coverage that grows, benefits you while you're alive, and transfers a multiplied amount to the people you love ... all from a single transfer.
01
Guaranteed Growth
Your policy grows guaranteed, and if you pass away, your beneficiaries receive a multiplied amount, not just what you put in.
02
Living Benefits
Access the insurance benefit early if diagnosed with a chronic, critical, or terminal illness ... without waiting.
03
Permanent Coverage
Coverage that can never lapse due to missed payments or term limits. You own it outright from the moment you transfer.
04
Minimize Risk
Deferred guarantees that stay with you no matter what happens in the future: market, health, or otherwise.
1x
One Transfer. Permanent Ownership.
Unlike term or traditional permanent policies, a SmartLock™ insurance policy is paid for outright. You own it the same way you'd own a home paid for in cash: no future payments required, no risk of losing it, no expiration date.
Side by Side
Compare it to how you pay for where you live
Term Insurance
Like renting an apartment.
You have somewhere to live but no ownership. If you stop paying rent and get evicted, you leave with nothing. If you stop paying premiums or outlive your term policy, you also leave with nothing ... no coverage, no cash value, no benefit.
"Permanent" Insurance
Like paying a mortgage.
You "own" the home but your lender owns the mortgage. Stop paying and the home goes into foreclosure ... you get your net equity but lose the home. Stop paying premiums on a "permanent" policy and you get whatever cash value you're entitled to, but you lose the coverage you thought you owned.
SmartLock™ Insurance
Like buying a home with cash.
You own it outright from day one. No future payments required. You create flexibility for yourself and have the option to add more in the future or stay with what you have. When you purchase a SmartLock™, you own it forever — and unlike other policies, you can't lose it because of a term running out or missed payments.
How It Works
It's a simple process
From your first conversation to permanent coverage — here's what the path looks like.
01
Consultation
We walk you through the specifics of the SmartLock™ and design the right structure for your situation and goals.
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02
Application
We'll help you submit a no-strings-attached application to start the qualification process with the carrier.
03
Underwriting
Medical and financial qualification for the plan is determined by the carrier.
04
Reposition Funds
Once approved, funds are transferred to the SmartLock™. No future payments and no expiration.
the bottom line
Get it and forget it.
99% of term life insurance policies do not pay out. Insurance is important, but it only matters if you have it when you need it. Instead of adding an unnecessary monthly expense, purchase it outright from one of our A-rated carrier partners and hedge against the risk of not having it, without ongoing payments.
insurance white paperWant to learn more?
The SmartLock™ consultation is free. We'll create a custom report, walk you through the numbers, show you exactly how it fits your plan, and answer any questions you may have.
Schedule a ConsultationA genuine leader is not a searcher for consensus but a molder of consensus.
— Dr. Martin Luther King Jr.
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