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Revolving Growth Screen
The Revolving Growth Screen models a SmartLock™ policy paired with external arbitrage. Each deal returns principal, redeploys into the next, and compounds the spread.
Immediate Access
Revolving Access
Forever Growth
Hedge Against Risk
Insurance Multiplier
Scenario Inputs
Loan interest rate modeled at 5% annually, paid from external gains
Annualized yield from each deal
Each deal: borrower pays interest, returns principal at maturity, capital redeploys into the next deal. 15 deals over the analysis period.
Revolving Growth Screen vs. Retirement Account
$0
Difference in total net wealth at the end of the period between funding SmartLock™ and leaving capital in a typical retirement account, with permanent insurance value in place the entire time.
Insurance Value at Year 1
$0
Retirement Account (15 years)
Account Growth
Initial capital$0
Tax-deferred growth at 5%$0
Account balance$0
Total Net Value$0
Modeled at 5% annual compound. Most 401(k) and IRA money sits in a mix of stocks and bonds, and after fees the typical investor earns less than the headline market return. 5% reflects what real retirement accounts have done over the long term.
Insurance Multiplier
None
No insurance protection. Heirs receive only the account balance.
SmartLock™
SmartLock™ + External Arbitrage (15 years)
Policy Side
Gross cash value$0
Outstanding loan$0
Net cash value$0
+
External Side
Gross investment value$0
Cumulative interest paid$0
Net investment value$0
Total Net Value$0
Legacy Payout
$0
$0net cash value
→
0×
=
$0insurance value
+ $0 external investment passes to heirs
The policy's insurance value pays out as a multiplier of your net cash value. The external investment is paid separately as part of the estate.
Growth Over Time
Retirement Account
Revolving Growth Screen
Legacy Payout
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This tool is for illustrative and educational purposes only. Policy figures are based on current non-guaranteed dividend scale illustrations from a representative carrier and are not guaranteed. Actual policy performance depends on the issuing carrier, underwriting outcome, declared dividend scale, loan provisions, and current market conditions. External investment returns are not guaranteed and may produce losses. Single-premium funding generally results in Modified Endowment Contract (MEC) status, meaning policy loans on an individually owned policy are taxable to the extent of gain in the policy and may incur a 10% penalty if taken before age 59½. When the policy is held inside a qualified plan such as a Solo 401(k), the MEC tax treatment of distributions and loans is handled differently under qualified plan rules. Policy loans reduce death benefit and cash value available, and unpaid loan balances at death will reduce the proceeds paid to beneficiaries. Consult Y-UFinancial and your tax advisor before implementing any strategy. Y-UFinancial is a licensed insurance brokerage. SmartLock™ is a strategy mark of Y-UFinancial.
