What If You Could Put More Money to Work for Retirement—Without Contributing All of It Yourself?
Rothish™ combines life insurance with third-party bank financing (personal collateral is rarely required) so qualifying clients can put substantially more premium capital to work toward future retirement income and a meaningful death benefit.
Four Reasons to Take a Closer Look
More Capital Working
Bank financing can supplement your capital, putting substantially more premium dollars to work within the strategy.
Tax-Advantaged Potential
Tax-deferred accumulation with potential tax-free access, when properly structured.
No Roth Contribution Limit
Rothish™ is not a Roth IRA and is not subject to Roth IRA contribution limits.
Meaningful Death Benefit
The underlying life insurance also provides a death benefit, subject to policy terms and loans.
Rothish™ 10 — A 10-Year Funding Approach
You contribute for approximately 10 years while bank financing helps increase the amount of premium capital working inside the strategy.
Rothish™ 10
- Minimum client contribution: $36,000 per year for 10 years.
- Household income requirement: generally the greater of $200,000 or 4× the annual client contribution.
- Maximum policy face amount under this program’s financial underwriting: $4,000,000.
- All cases remain subject to insurance underwriting, financial underwriting, lender/program qualification, carrier requirements, financing terms, and current program terms.
A shorter Rothish™ 5 funding option may be available. Its terms have not yet been confirmed by FSG/Lionsmark for this page and will be added once confirmed.
View a Sample Rothish™ Illustration by Age
Choose a funding structure, contribution level and age to open Lionsmark Capital’s own sample illustration for that scenario. These are hosted directly on Lionsmark’s site.
See How Rothish™ Works
Start with the one-minute overview, then watch the full 12-minute webinar to see how Rothish™ combines your capital, bank financing, and life insurance into one retirement-income strategy.
See What Additional Capital Can Potentially Do
Published Lionsmark example: 45-year-old male, preferred non-tobacco, SummitLife, S&P 500 Point-to-Point Cap Focus, $50,000/year client contribution for 10 years.
Ready for a Personalized Proposal?
For qualified prospects, the next step can include a personalized proposal using current carrier illustrations and Rothish™ financing assumptions — showing how your contribution, potential bank financing, projected policy values, potential retirement distributions, and death benefit may work together. Requesting this is not an application and does not create a commitment to proceed.
Questions Before You Go Further
Is Rothish™ a Roth IRA?
No. Rothish™ is a different strategy that uses life insurance and third-party bank financing. It is not a Roth IRA and is not subject to Roth IRA contribution limits.
How does the bank financing work?
A third-party lender may provide additional premium capital, subject to qualification and lender terms. Personal collateral is rarely required.
What is the minimum client contribution?
For Rothish™ 10, the current confirmed minimum is $36,000 per year for 10 years.
Is the retirement income guaranteed?
No. Results depend on policy performance, financing terms, withdrawals or loans, and other factors. Illustrations are hypothetical and not guarantees of future results.
Do I need to qualify for life insurance?
Yes. Because life insurance is part of the strategy, medical and financial underwriting generally apply.
Could additional collateral be required?
In most cases, no. However, if policy cash surrender value is insufficient relative to the loan in a given year, additional capital or collateral can be required.
Can I see an estimate before deciding whether to move forward?
Yes. The sample illustration library above lets you view a Lionsmark-produced hypothetical illustration by age before deciding whether to request a personalized analysis.
Who produces the sample illustrations?
The sample illustrations above are produced and hosted by Lionsmark Capital, the carrier-financing program behind Rothish™. They are hypothetical, not guaranteed, and are not a substitute for a personalized analysis based on your own information.
Is Rothish™ right for everyone?
No. It is designed for people who meet applicable financial and underwriting qualifications and have a long-term planning horizon.
See What Rothish™ Could Look Like for You
You’ve seen how the strategy works. Now see what the numbers may look like using your own situation. Start with the estimate — go deeper if the numbers make sense.