One Savings Plan,
Every Milestone
Your home. Your retirement. Your family's safety.
Anchor Capital funds them all, without choosing between them.
No account needed · 5 minutes · Your numbers
A down payment gets stuck in the house
Anchor Capital keeps working
Traditional savings do one job, then gets locked up.
Anchor Capital does more. Compounding, protecting, and staying accessible.
Down payment
All that sacrifice for just a home.
Cash trapped in walls and a roof.
Everything riding on one asset, your house.
A paid-off home but no income.
Anchor Capital
New!
Same sacrifice. A home, retirement, and protection together.
Cash that grows and stays accessible,s even after closing.
Home ownership and market growth, built into one structure.
A paid-off home and retirement income that keeps coming.
One savings decision.
Four things working at once.
Four things happen at once. You buy the home, it stays accessible in emergencies, it builds retirement income, and it protects your family.
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 Savings still working
Life happens. Borrow against your savings without selling them. The rest keeps compounding.
Becomes monthly income at 65
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 contribution do
four things?
Here's where your money goes and why every dollar keeps working.
$, in. Almost all of it stays.
Only two tiny costs come out. The rest builds.
Your monthly contribution goes into a structure called No-Load IUL. A small portion covers your family's protection. The rest becomes your Anchor Capital. Your money, building from day one.
$, in. Almost all of it stays.
Only two tiny costs come out. The rest builds.
Your cash value 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. When the index falls, your floor stays at zero percent. You never post a negative return from a market crash. This is the core mechanic that makes IUL different from variable products tied directly to the market. Upside participation, downside protection, built into the structure.
Markets fall. You don't.
When the index drops, your floor holds at zero.
Your cash value compounds year after year without annual taxes eating into the gains. When you need money along the way, you can borrow against it through policy loans, generally non-taxable under current tax law. At retirement, the same structure can deliver monthly income, also generally tax-free by design. The longer your money stays inside the policy, the more powerful this compounding becomes.
$1M isn't always $1M.
Same savings, Different ending. By design.
Traditional IUL pays the agent up to 78% of your first-year premium in commission. No-Load eliminates that. Only COI and policy charges are deducted, the rest builds your Anchor Capital from day one. Same contribution. More capital.
Commission %.
No commission means more capital from day one.
IULNo-Load
IUL
Same goal
Very different results
Your Anchor Capital, the cash value inside your No-Load IUL,
works differently than anything else.
Feature
HYSA
Stocks
Crypto
Anchor Capital
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
Anchor Capital
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.
Not commission incentives.
Milliman
Actuarial-grade simulator
Our Anchor Capital 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 Restant Pro will introduce the specific carrier that fits you.
Licensed
Licensed in 2 states
Restant is a licensed insurance agency operating across two U.S. states, with more in review.
Frequently Asked Questions
Everything you need to know about Restant before getting started.
Not exactly, and we'd rather be upfront about it. There's no agent commission with Restant'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 Anchor Capital instead.
No. Buying a home is one outcome of the structure, not a requirement to start. Most people begin by building Anchor Capital 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 Anchor Capital 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. Anchor Capital 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 Restant Pro can walk you through when and how to use one.
Restant 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 Restant Professional, not an AI.
Ready to set your anchor?
Starting now is smarter than starting next year.
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