You've saved.
Now make sure it lasts.
We help people build the part of a retirement plan that doesn't move when the market does — using fixed annuities and cash value life insurance. No securities, no market risk, no products we wouldn't own ourselves.
Brandon Roberts & Brantley Whitley · 20+ years in the business · 500+ podcast episodes, weekly since 2012
Where are you right now?
Pick the one that sounds like you.
I already own a policy
Whole life or IUL, and you're not sure it's performing the way it was sold to you. Seven questions, three minutes, honest read. No email needed to see your score.
Run the policy check →
I'm close to retirement
Within ten years, or already there, and you want income that doesn't depend on what the market does in any given year. MYGAs, SPIAs, and fixed indexed annuities.
See how the income works →
I'm still building
You're maxing the qualified plans and want a productive, tax-advantaged place for the next layer — one that isn't correlated to the market.
Start with cash value →
Two people. No call center, no lead broker.
Brandon Roberts
Co-founder
Two decades designing cash value life insurance for accumulation, and the one who runs the actual numbers on policy performance. Writes most of what you'll find on this site.
Brantley Whitley
Co-founder
Works with individuals, business owners, and other advisors on retirement income built from fixed insurance products. Co-hosts the podcast every week.
One product protects your income. The other protects your growth.
Guaranteed income products
When the market drops 30%, these don't. The income is contractual — the insurance company owes it to you regardless of what happens outside.
Multi-Year Guaranteed Annuities (MYGAs)
Fixed rates locked for 3–10 years. Tax-deferred, no market exposure. A serious CD alternative.
Single Premium Immediate Annuities (SPIAs)
Turn a lump sum into guaranteed monthly income for as long as you live. The simplest income product there is.
Fixed Indexed Annuities with income riders
Guaranteed lifetime income with upside tied to an index and zero downside. For people who want growth without exposure.
Cash value life insurance
These don't guarantee income. What they do is grow steadily and predictably, completely outside your qualified plans.
Whole Life Insurance
Permanent coverage with cash value that grows at declared dividend rates. Stable and structured for the long haul.
Indexed Universal Life (IUL)
Cash value linked to an index with a floor that prevents losses. Flexible premiums, strong accumulation in the right situation.
Wondering whether any of this fits your situation? Thirty minutes, no pitch. If it doesn't fit, we'll say so.
Schedule a 30-minute callThe part of your money that doesn't belong in the market
Building the protected layer
High earners and aggressive savers — physicians, engineers, attorneys, executives, pilots — who've maxed their qualified plans and want a productive, tax-advantaged place for the next layer. Whole life or IUL, structured around a funding schedule that fits the income.
Converting savings into income
Within ten years of retirement or already there, wanting a meaningful share of the portfolio out of market exposure and into guaranteed income. MYGAs to lock today's rates, FIAs with riders for growth plus a floor, SPIAs to simplify the monthly number.
Free Policy Check · 3 Minutes
Already own a whole life or IUL policy? See if it's built to last.
Answer 7 quick questions and get an honest read on where your policy really stands — funding, costs, lapse risk, and fit. No agent, no pitch.
Free · Takes 3 minutes · No email needed to see your score.
Most retirement plans have a gap. The question is what fills it.
The question isn't how much you've saved. It's how much of your retirement income is actually protected from what markets do in any given year. For most people, the honest answer is: not enough.
Where a typical retirement income comes from
What you'll actually spend
Guaranteed, fixed
Market-dependent
When markets drop in year two of retirement, that $3,700 either shrinks or it accelerates the depletion of your savings. Our products address the gap in two different ways — and it's worth being clear about how they differ.
MYGAs, SPIAs, and FIAs with income riders replace market-dependent withdrawals with income the insurance company is legally obligated to pay — regardless of what markets do. Contractual, not conditional.
Whole life and IUL don't produce contractually guaranteed income. They produce a tax-advantaged cash reserve that grows at declared rates with no downside exposure — one you can access via policy loans in any market. In a down year, you draw from the policy instead of selling assets at a loss.
Hypothetical example for illustrative purposes only. Individual results vary based on spending, Social Security benefits, existing income sources, and product selection. Cash value life insurance distributions via policy loans are not guaranteed income and depend on policy performance and loan terms.
Not sure where you stand?
We can help you find out.
Thirty minutes on the phone costs nothing. We'll look at what you have and tell you honestly whether any of this makes sense for you — and if it doesn't, we'll tell you that too.
Schedule a 30-minute call or send us a message