What is a Remnant Complete?
The solution for the Future of Homeownership & Secured Wealth Growth. Remnant Complete seamlessly integrates Indexed Universal Life (IUL) insurance with Home mortgage financing, creating a single financial strategy that combines Life insurance, homeownership, and retirement income.
The Problem with the Traditional System of Owning a Home
- Down Payment Burden - Homebuyers must save for years without tax advantages or investment growth, making homeownership a slow and costly process.
- Mortgage Risk - Many home buyers take on significant debts without adequate financial protection, expsoing them to economic downturns and unexpected challenges
- Lost Wealth-Building Opportunities - The down pyament is tied up in the property, limiting investment potential and requiring additional retirement planning.
- Delayed Retirement Planning - With limited income, individuals are often forced to choose between saving for a down payment of securing their retirement, losing valuable time and resources neede dto build long-term retiremnet assets.
Remnant Complete's Solution: One for Three
1. Buy a Home With Built-in Protection
Smart Saving: Rather than using a traditional savings account for a down payment, grow your funds in an Indexed Universal Life (IUL) policy. Unlike conventional savings, IUL offers tax advantages, market-linked growth, and life insurance benefits.
Grow Without Risk: Your savings earn market-linked growth with built-in downside protection, ensuring risk-free wealth accumulation.
Maximize Your Money: Take advantage of compounding interest and tax benefits inside the policy, helping your wealth grow faster and more efficiently.
Get Protection from Day One: Unlike a regular savings account, an IUL provides life insurance coverage from the moment you start saving for your home.
Stay Financially Secure: In case of unexpected financial challenges, you can tap into your IUL’s cash value to cover mortgage payments or other emergencies.
2. Remnant Leverage: Two Strategic Home Financing Options
Option 1: 25% Saving, 100% Mortgage Financing
Diversified Investment Growth: Unlike traditional homeownership that relies solely on real estate, Remnant Complete builds both home equity and liquid assets.
100% Mortgage Financing: Use your IUL cash value as collateral to finance the full home purchase—no traditional down payment required.
Lower Mortgage Interest: Earn indexed returns on your IUL and use them to reduce your mortgage rate by 1%–1.5%.
Cash Value Safety Net: The continuously growing cash value can cover mortgage payments for up to 24 months in case of financial emergencies. This prevents foreclosure and provides a cushion for a fair market value exit.
Retirement & Legacy Security: After the mortgage is paid off, access tax-free retirement income through policy loans while maintaining a tax-free death benefit for beneficiaries.
Option 2: 20% Savings + 80% Mortgage Loan
Traditional 80% Mortgage: Use your IUL cash value as a 20% down payment, financing the remaining 80% with a standard mortgage
No Long-term Insurance Benefits: The policy is surrendered at home purchase, meaning no continued cash value growth or retirement security.
Straightforward Savings Approach: No need to save an additional 5% for insurance and retirement, and no monthly payment gap to cover.
Pre-Purchase Growth Advantage: During the savings phase, the IUL earns indexed interest, maximizing returns before being used for the down payment.
Choosing the Right Option
Wealth Maximizer
Ideal for those who want long-term financial growth, tax advantages, and retirement security while owning a home.
Equity Boost
Best for those who prefer a traditional mortgage approach with upfront home equity while benefiting from IUL savings growth.
3. Retirement: The Third Asset of Remnant Complete
Remnant Complete's "One for Three" strategy builds retirement wealth alongside homeownership and protection, ensuring long-term financial security.
Tax-Free Income - Policy loans provide tax-free retirement cash flow, unlike taxable 401(k) or IRA withdrawals.
Crumb effect - The spread between IUL's indexed growth and mortgage interest enhances diversification of investment.
Legacy Protection - Even after withdrawals, IUL's tax-free death benefit ensures wealth transfer to heirs.
Get Protection from Day One: Unlike a regular savings account, an IUL provides life insurance coverage from the moment you start saving for your home.
Stay Financially Secure: In case of unexpected financial challenges, you can tap into your IUL's cash value to cover mortgage payments or other emergencies.
- Tax-free growth & income – Access cash value without tax liabilities
- Risk-free wealth accumulation – Indexed growth with no market loss
- Dual asset growth – Build both home equity and retirement assets
- Legacy wealth transfer – Secure a tax-free inheritance for future generations
Remnant Complete vs. Traditional Down Payment Savings
Aspect
Remnant Complete
Traditional Down Payment Saving
Saving Purpose
Builds cash value in IUL while preparing for home purchase
Accumulates cash solely for home purchase
Growth Potential
Tax-advantaged growth through IUL market-linked returns
Low or no growth in savings account
Liquidity & Flexibility
Can access funds via policy loans without interrupting compounding growth
Funds are depleted once used for down payment
Risk Management
Protects against market downturns through zero-loss guarantees
Market fluctuations impact savings (if invested)
Long-Term Benefit
Life insurance coverage + potential retirement income
No additional financial benefits beyond homeownership
Learn More About Indexed Universal Life Insurance
Learn More About Mortgages
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