Explore
There is no one plan that fits everybody.
Start with what you need. The right contract comes second, and only after we know what job it has to do.
Start with the question on your mind
Five paths. Pick the one that sounds like you.
I am worried about losing what I have saved.
You spent a career building it. One bad year should not undo it.
I do not know how much income I will need.
Social Security, savings, and the gap between them.
I want my money to keep growing.
Growth without more risk than you can carry.
I want to leave something behind.
For your children, your grandchildren, or a cause you care about.
I want to understand Be Your Own Bank.
You have heard the phrase. Here is what it actually means.
I am not sure yet.
That is the most common answer, and a fine place to start.
Do not start with a product. Start with the job the money has to do. The product is the last decision, not the first.
Or just learn something first
You do not have to book anything to start. Most people should not.
The Five Power Moves
The order we work in. Protection comes before growth, because there is no point growing money you might lose.
How the contracts work together
Three tools. Each does a different job, and most plans use more than one.
Fixed Indexed Annuities
Protection, growth potential, and income options
A contract built to shield your money from index declines while still giving it a chance to earn interest.
- Protection against losses from index declines
- Growth is linked to a market index
- Caps, participation rates, and spreads
Index Universal Life
Protection, cash value, and flexibility
Life insurance that also builds cash value over time.
- A death benefit for your family
- Cash value linked to an index
- Access through policy loans
Retirement Income Planning
Turn what you saved into a monthly plan
A plan designed to give you income for as long as you need it.
- Start with the income you need
- Fill the gap on purpose
- Plan for taxes and required withdrawals
How they compare
A guide, not advice. Features, guarantees, charges, and availability vary by contract and by state.
| Feature | Fixed indexed annuity | Index universal life | Income plan |
|---|---|---|---|
| Interest linked to a market index | Depends on the tools used | ||
| Protection features | Index floor, charges still apply | Depends | |
| Income options for life | Depends on the policy | ||
| Life insurance death benefit | — | Depends | |
| Cash value you may borrow against | Depends | Depends | |
| Built mainly for | Protection and income | Insurance plus cash value | A full income plan |
What does Be Your Own Bank really mean?
It is a way of using a life insurance contract, not a product you buy off a shelf and not a bank account.
5 Power Moves to Become the Bank: Elite Annuities Uncovered
The full framework, start to finish, in Richelle's own words. This is the talk she gives at the dinner seminars.
What she covers
- What protecting your principal actually costs you
- How indexed interest is credited
- Where a premium bonus comes from
- How a policy loan works
- Who the strategy does not suit
Build
Fund a life insurance policy on purpose so it builds cash value over time.
Access
Request a policy loan against the cash value you have built, on the terms the policy sets.
Reuse
Put that money to work, pay the loan back at your own pace, and keep the policy in force.
Be Your Own Bank is the name Rhema uses for a strategy. You do not become a bank, and the policy is not a bank account. It is a life insurance contract with policy charges, loan interest, and the risk that the policy lapses if it is underfunded. Read the policy before you decide.
No pressure. No plan that fits everybody.
You do not need to understand every financial product before you talk with us.
Our job is to help you understand your choices and ask better questions.
Our job is to help you understand your choices and ask better questions.
You should never buy something you do not understand.
You should never buy something you do not understand.
Nothing is signed on a first conversation.
Nothing is signed until you say so
If a strategy does not fit you, we will tell you that.
If a strategy does not fit you, we will tell you that.
Ask Richelle
The questions people actually ask, answered in plain words. There are 106 of them.
Come and learn with us
New sessions go up a few weeks ahead. Ask for the next one and we will hold you a seat.
You have worked hard to build it.
Now let's talk about what comes next.
Whether you are getting ready to retire, already retired, or thinking about your family's future, it starts with a conversation.
No pressure. No obligation. Just answers.