We're creating immediate leverage with your money.

One-Time Transfer

Transfer money ONCE and create a true asset that only increases in value.

Immediate Leverage

Use each dollar TWICE. Withdraw money and maintain growth on accessed funds.

Flexible Terms

No unnecessary rules to discourage you from withdrawing your money.

Construct a positive interest environment

Guaranteed Growth

Receive guaranteed growth from insurance carriers that have been liquid for over a century.

Dividend Potential

Potential to earn dividends in addition to guarantees ... can be received as cash or used to maximize your benefits.

... that can be used in multiple ways.

Take advantage of different use cases for different situations.


Create a liquid and accessible safe money vehicle that earns guarantees and outperforms inflation.


Protect against risk in your portfolio and ensure liquidity during inevitable market downturns.


Leverage positive interest growth against negative interest from debt to minimize your net interest liability.

It's a simple process.


We will walk you through the specifics of the SmartLock™ and help you with initial design.


We'll help you submit a no-strings attached application to start the qualification process.

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Medical and/or financial qualification for the plan is determined by the carrier.


Once approved, funds are transferred to the SmartLock™.

Use It. Don't Lose It.

You work hard for your money. It's important for you to be flexible and efficient with it. Without immediate leverage, you can never truly stretch the value of the money you or your business earns. A SmartLock™ will maximize your financial flexibility ... without draining your cash flow.