From Down Payment
to Retirement Income.
Turn your home funding into lifetime income—without additional cost.
The Problem with Traditional Retirement Plans
Most plans are designed to grow—but few are designed to protect. They expose you to market risk, limit liquidity, and come with tax penalties
Meanwhile, your down payment—the largest cash move many ever make—sits idle in home equity, doing nothing for your retirement.
| Traditional Tools | Common Weaknesses |
|---|---|
| 401k, IRA | Taxable withdrawals, early access penalties |
| Stocks, ETFs | Market volatility, uncertain returns |
| Real Estate | Illiquidity, concentrated asset risk |
| Annuities | Complex fees, limited flexibility |
With Remnant, you get growth, security, and flexibility—all in one tax-efficient plan.
- ● Growth -- Earn market-linked returns with built-in protection
- ● Protection -- 0% floor shields your policy from market losses
- ● Tax-Free Access -- Borrow against your policy, not your future
Concerned about insurance costs?
Most life policies have internal costs.
With Remnant, those costs are offset—by converting static equity into strategic funding.
See how it works →
Run SimulationYou don't need to choose between a Home or Retirement.
Remnant
Complete
- ● Use Retirement Savings as Your Down Payment
- ● Enjoy Roth IRA—Style Tax Advantages
- ● Get Lifetime Protection—for Both Life and Legacy future
Your retirement strategy can do more than grow.
It can help you purchase a home—without sacrificing flexibility, protection, or long-term income.
- Build your retirement.
- Buy your home.
- Do Both—Smarter.
Most are designed to grow—few are designed to protect and leverage.
| Category | Traditional Plans | Remnant Solution |
|---|---|---|
| Initial Contribution | 401(k), IRA deposits | Down payment funding |
| Limits & Caps | Annual contribution limits | No contribution cap |
| Growth Mechanism | Market-based investments | Index-linked IUL |
| Market Downside Risk | Exposed to losses | 0% floor protection |
| Tax on Withdrawals | Mostly Taxable | Tax-Free policy loans |
| Liquidity | Limited access | Emergency-access cash value |
| Home Ownership | Seperate from retirement | Integrated into Strategy |
| Living Benefits | Seperate from retirement | Coverage for critical and chronic illness |
| Death Protection | Minimal or none | Built-in life insurance |
Let's design your smarter retirement →
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