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We're in the Business of Protecting Equestrians and Their Families  --  Now and in the Future

Affordable Term Life Insurance

Affordable Term Life Insurance

ARM specializes in helping equestrians develop sound strategies to protect themselves and their families with high value, affordable term life insurance that also provides included living benefits in the event of critical injury, chronic illness or chronic injury.

If you are a professional or amateur equestrian, we can help you better understand your options in how to best protect yourself and those you love.

Building Your Financial House

Saving for Retirement inside Cash-value Life Insurance


If there was an up to 3:1 match for your supplemental retirement income,

would you use it?

Your ability to earn income is your most valuable asset. ARM develops strategies that can help protect your financial future using leverage. In other words, bank matched retirement plans.

In addition to affordable term insurance with great living  benefits, ARM has access to bank financed premium strategies to build cash value inside of life insurance. This puts more money working for you. The strategy can help you maintain your current lifestyle in the event of a critical illness, chronic illness, premature death, or an inability to sufficiently save for retirement.  

Protecting your earnings is critical to insuring your ability to save for retirement. Due to limitations, traditional retirement plans are typically insufficient for high-income earners. If you want to maintain your lifestyle in retirement, you need a proactive strategy that puts more money toward protecting your future income without putting a drain on your current finances.

The ARM strategy uses Kai-Zen leverage (bank financing for premiums) to help you acquire more of the benefits you need to financially protect you and your family. Its unique fusion of financing and life insurance offers you more protection and the opportunity to earn more for retirement than you could obtain without leverage, with the potential to access that cash value using income tax-free policy loans and withdrawals.

How it Works

The strategy is simple. Premiums are jointly funded by bank financing and the participant. The bank financing provides the majority of the total contribution to the plan, and the life insurance policy itself is the full security for the loan.  This strategy is specifically designed so that the participant is not required to go through financial underwriting or sign any loan documents.

By using bank financing, this strategy allows you to realize benefits beyond your expectations while keeping contributions within your means.

Here’s how it works:

  • You, the participant, contribute for the first 5-years.
  • The bank makes matching contributions each of the first 5-years.
  • Then, from year 6 through 10, the bank puts in what you had been contributing, plus what they had been contributing.

This provides approximately $3 for every $1 of your contributions, over the ten years. The policy is paid up and continues to grow in cash value, using the S&P 500 index with a zero floor. That means you get the gains, but not the loses due to market volatility. The cash value can continue to grow and you can take money out tax-free in retirement that is 60-100% more than you would have had. 

An Alternative Investment with Tax-efficient Yield

and Protection Against Downside Market Risk

“Let Zero be Your Hero”

This concept is not much different than financing a house – you use a mortgage to leverage the assets you have on hand to buy more house than you could afford on your own.  Money is borrowed to buy more house, or with this leverage strategy, more benefits.  With this strategy, you are buying a life insurance policy with a larger death benefit, more living benefit protections, and the potential for more cash accumulation without the risk of losses (due to declines in a market index).

Think of leverage in the following ways. You purchase items today with the hope that they will appreciate in value. Leverage allows you to enjoy more, sooner, and for a longer period of time. Some examples of this would be:

  • You use leverage to buy a bigger house today.
  • You use leverage to purchase an investment property to rent or flip.
  • You use a loan to expand a business without tying up your cash flow.

The decision to use leverage is driven by the idea that the money you contribute will grow at a higher rate of return than the cost of borrowing. And, at the very least, you get to enjoy the benefits of these purchases today. With Kai-Zen you can use leverage to obtain more benefits today and potential cash accumulation for your retirement future.

If there was a way to increase your supplemental retirement income by 60-100%, for no additional expenditure, would that be worth 3 minutes of your time?

Click here to find out how!



It’s Personal!

It’s Personal!

As equestrians, we ourselves know the risks inherent in the sport, and want to provide a safer, more confident atmosphere for enjoying the horses we all love.  We educate our clients about how to get peace of mind in the saddle, and take the mystery out of saving for retirement, insurance, and especially critical injury protection.

Contact us to learn more about affordable, high-value life insurance with living benefits and how saving inside of insurance can help you build your future. A 15-minute Zoom call can change your life!


Contact an Adisor

Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of ARM’s foundation of success.