Use an IUL Policy
to Buy a House
Your home. Your retirement. Your family Insured.
Your IUL Policy funds them all, without choosing between them.
No account needed · 5 minutes · Your numbers
One savings decision.
Four things working at once.
Buy the home Keep your savings
Your savings back the mortgage instead of being spent on it. You move in. Your money keeps growing on the side.
Cash when you need it Without penalties
Life happens. Borrow against your cash value through a policy loan, no selling, no early withdrawal penalties. Loans accrue interest until repaid.
Becomes monthly income when you Retire
Your savings turn into monthly income, generally non-taxable under current tax law, by design.
Family covered from day one
Life insurance kicks in the moment your policy starts. No waiting. No expiration. Your family's protected while your savings build.
So how does one capital do
five jobs at once?
The same capital works in five ways at the same time.
Grows with the index.
The market moves daily. Your floor and cap don't.
Credited up to the cap. Never below the floor.
Your capital tracks a market index such as the S&P 500. When the index rises, your account is credited up to a cap rate set by the policy, and that growth compounds inside the structure.
Grows with the index.
The market moves daily. Your floor and cap don't.
Credited up to the cap. Never below the floor.
When the index falls, your floor holds at zero percent. A market crash never posts a negative return to your capital, and credits you've already received stay locked in.
Markets fall. You don't.
When the index drops, your floor holds at zero.
Growth inside the policy isn't taxed year to year. When you draw on it, policy loans and retirement income through the structure are generally non-taxable under current tax law.
Compounding, uninterrupted.
No annual tax bill inside the policy.
You can reach your capital through policy loans without selling anything and without the early-withdrawal penalties of retirement accounts. The capital stays in the policy while you borrow against it.
Borrow against it, not out of it.
The loan comes from the insurer. Your cash value stays whole.
Your capital can serve as collateral for your home purchase, and it stays in place while it does. You buy the home without spending the capital that backs it.
Backs the home. Stays in place.
A slice backs the home. The whole pie stays yours.
The Remnant Plan
The whole idea, explained in about a minute. Watch how one capital works toward your home, your retirement, and your family's protection.
Same goal
Very different results
Your Cash Value, the savings inside your No-Load IUL,
works differently than anything else.
Feature
HYSA
Stocks
Crypto
Cash Value
Market participation
unlimitedunlimitedup to capProtected from drops
FDIC0% floor
gains locked inBuys a home without spending it
collateralEmergency access without selling
policy loanTax-advantaged income
generally
non-taxableFamily protection
from day oneFeature
HYSA
Stocks
Market participation
unlimitedProtected from drops
FDICBuys a home without spending it
Emergency access without selling
Tax-advantaged income
Family protection
Feature
Crypto
Cash Value
Market participation
unlimitedup to capProtected from drops
0% floor
gains locked inBuys a home without spending it
collateralEmergency access without selling
policy loanTax-advantaged income
generally
non-taxableFamily protection
from day oneYour future returns are one click away.
Run a quick simulation and see what your portfolio could look like in 5, 10, or 20 years.
Run your simulationRun your simulationBuilt on actuarial math.
Independently validated.
Milliman
Actuarial-grade simulator
Our Cash Value solution model has been independently validated by Milliman, a global actuarial consulting firm. Third-party math, not internal assumptions.
A+ rated carriers
Top-rated underwriters
Underwritten by a U.S. mutual life insurance carrier with over 100 years of operation and an A+ rating from AM Best. Your Remnant Pro will introduce the specific carrier that fits you.
Licensed
Licensed in 2 states
Remnant is a licensed insurance agency operating across two U.S. states, with more in review.
No-Load
No-Load structure
No agent sales commission comes out of your contribution. Only the cost of insurance and standard policy charges apply.
Frequently Asked Questions
Everything you need to know about Remnant before getting started.
Not exactly, and we'd rather be upfront about it. There's no agent commission with Remnant's No-Load structure, which means more of your money goes directly to building your savings. But two small costs still apply: insurance coverage (COI) and a policy administration fee. What's zero is the sales commission that traditional insurance agents typically take, which can be 50–110% of your first year's premium. That difference goes to your Cash Value instead.
No. Buying a home is one outcome of the structure, not a requirement to start. Most people begin by building Cash Value first, which takes time. During that phase, your savings are growing, your family is protected, and you're building the foundation that makes home purchase possible later. Whether you eventually buy a home or not, the structure keeps working.
It depends on your monthly contribution, the home price you're targeting, and your current age. The simulator gives you a personalized timeline based on your numbers. Generally, the Cash Value build phase takes a few years, but that time isn't wasted. Your savings are compounding, your life insurance is active, and your readiness profile is being built.
A savings account does one job: hold your money. Cash Value does four simultaneously — it grows with the market (with a 0% floor, so gains are never lost), acts as collateral so you can buy a home without spending it, stays accessible via policy loan when you need cash, and includes permanent life insurance from day one. Same dollar. Four jobs.
Your savings are never directly invested in the market. Each year, if the market rises, your balance steps up, and that gain is locked in. If the market drops, your balance stays exactly where it was. No loss. This is called the 0% floor. It's not FDIC insurance — it's a structural feature of the indexed life insurance policy itself.
A policy loan lets you borrow against your savings without selling them. Because it's technically a loan, not a withdrawal, it's generally non-taxable under current tax law. Your savings stay in the policy and keep growing while you borrow against them. Loans accrue interest and reduce your death benefit if unpaid, so they're best used intentionally. A Remnant Pro can walk you through when and how to use one.
Remnant is a licensed insurance agency operating across four U.S. states — CA, NY, TX, and GA — with more in review. Our simulations are built on the Milliman actuarial model, the same engine licensed actuaries use to price policies. Our policies are underwritten by carriers with A+ financial strength ratings from AM Best. Every product recommendation is made by a licensed Remnant Professional, not an AI.
Ready to set your anchor?
Starting now is smarter than starting next year.
No agent commission
Free consultation with a licensed Pro