Introducing Defined Benefit Life

A Smarter Way to Plan for Retirement

If you’ve ever worried about running out of money in retirement, you’re not alone. Millions of Americans are concerned about whether they’re saving enough, investing wisely, and doing what they can to protect their financial future. At the same time, retirement planning has become more complex than ever, with fewer people having access to traditional pensions.

Defined Benefit Life is a groundbreaking financial solution designed to bring the structure and reliability of a pension plan to your personal retirement strategy—by using a specially-designed life insurance policy. This innovative approach allows you to define the amount of tax-free income you want in retirement and build a plan that helps you achieve it.

What truly sets Defined Benefit Life apart is your ability to predefine a target level of retirement income—and then build your plan around that goal. Instead of guessing what your savings might produce, this approach starts with the income you want in retirement and works backward to design a premium funding schedule that makes it achievable. Through annual reviews and professional policy management, the plan stays optimized to support that income objective while protecting the policy’s long-term health. You gain downside protection, potential for upside growth, and a powerful way to create predictable, tax-free income—without the restrictions of traditional retirement accounts. For those seeking both financial protection and long-term income certainty, Defined Benefit Life offers a compelling and flexible solution.