The Stream Plan flips the life insurance model: a bank adds up to $5.50 for every $1 you contribute — so your money works harder from day one. Potential tax‑free cash accumulation, a potentially tax‑free death benefit, and downside protection built in.
It's an age-old worry. Will I ever have enough money to retire? Will I be able to fund the lifestyle I want long-term? Aging parents and long-term care events can eat further into yourretirement assets — and around 80% of business owners never sell or transition their business with this concern.
Most retirement options are either taxable in retirement, capped on what you can contribute, or both. And who wants to wait until they retire to access the benefits? The Stream Plan is retirement saving, done differently — from day 1, you start generating potential tax-free income with no market risk.
So, what is leveraged life insurance anyway? Leverage simply means having a bank help pay for your life insurance policy, with Stream acting as your borrower. It means you can apply a multiplier effect to your contributions and optimize your investment.
In simple terms, it's a life policy where you invest what you can afford and the bank funds the rest — boosting the premium put into your policy by up to $5.50 for every $1 you contribute. Your dollar is levered up to work smarter from day 1.
Leverage up, for life.
Every Stream runs on the same engine — bank leverage, tax-free growth, a 0% floor. What changes is the job it does for you.
For high income earnersHave a bank help fund your retirement. Generate both tax-free income and death benefit protection for the people you love.
Explore LifeStream
For business ownersPlan for an exit with tax-free retirement income. Pre-exit, the plan lets you recruit, reward and retain key employees with a unique compensation plan.
Explore BizStream
For medical professionalsDoctors use leverage for their education and to build their practice. Why not use it to help create their retirement income too?
Explore MedStream
For generational wealthMulti-generational legacy planning that provides your loved ones with a stream of income — one you can watch them enjoy before you're gone.
Explore GenStreamNot sure which one fits? ProStream is also available for professional practices — answer a few questions and we'll point you to the right Stream.
Find my StreamThe Stream Plan works for you as an asset, not just an expense. Here's what that looks like in real life.
"For someone who worries about everything, this policy has provided peace of mind — not only does it cover me if I prematurely pass away, but also if I become sick during my lifetime. I also have the option to borrow against my cash values for tax-free retirement income."
"Never in my life has anyone educated me on the tax advantages of utilizing cash value life insurance for retirement purposes. I can't stop sharing this program — I truly feel this is an untapped opportunity."
Protect the present. Secure your future. No filters. Our promise is full transparency on your investment — no longer just for the ultra-high-net-worth investor, we open up access to the unique benefits of premium-financed life insurance.
"At our stage in life, we have no bigger dream than to provide a springboard for our grandchildren to succeed. Whether they start a business, buy a first home, or keep saving — they'll now have the opportunity to."
No longer just for the ultra-high net worth. The Stream Plan uses the power of leverage — a bank helps fund your life insurance policy, with Stream acting as your borrower — to open up tax-free income growth, with no collateral and no personal guarantee.
We put more living into life insurance — a policy that works as a secure investment asset you can draw on throughout your life, not just at the end of it.
Diversify with a growth asset that isn't tied to the market's ups and downs. Potential tax-free rates of return of 8–12% are typical at life expectancy.*
Design your plan online in minutes, then activate it with the help of a licensed Stream advisor — so you can get on with life.
Life, Biz, Gen, or Med — we'll help you navigate to the Stream built for your goals, family, or business.
Tell us about yourself and see your estimated bank match, growth, and tax-free income — instantly, online.
You receive a personalized presentation with a matched carrier illustration, and a licensed Stream expert walks you through every number.
DocuSign your documents, submit your financials, and once the policy is approved the bank wires its funds alongside your first contribution.
You contribute for five years. The bank carries it from there. Here's the full arc of a Stream Plan, start to finish.
Your annual contribution is due 30 days before each policy anniversary, by check or wire to Stream. The bank wires its matching funds to the life insurance carrier alongside it.
After year 5, no more payments are due from you. The bank funds the premium in full while your cash value keeps compounding, protected by the 0% floor.
The bank is repaid out of the policy's cash value — not out of your pocket — and the policy is transferred into your name, free and clear.
Draw potential tax-free income for retirement, medical costs or life's milestones. On death, the remaining death benefit passes to your beneficiaries or trust.
Timelines are illustrative and vary by plan design, carrier illustration and policy performance. You'll receive account statements within 45 days of each policy anniversary.
It's simple to become a client with Stream. There's no financial underwriting for the bank loan — Stream is the borrower on your behalf, so you hold no financial responsibility for it.
Prefer to chat in person? Book a meeting with a licensed Stream advisor.
Straight answers about how the Stream Plan works — and what it costs.
Every client must qualify as an accredited investor and provide verification. However, there is no financial underwriting required for the bank loan. The Stream Plan is the borrower on your behalf — you hold no financial responsibility for the loan.
No. Clients never have to provide collateral or any type of guarantee. The policy itself secures the bank loan.
Payments are only made for the first 5 years of the plan. Contributions are due 30 days prior to each policy anniversary — and after year 5, no more payments are due.
The minimum payment starts from $5,000 for children and $20,000 for adults. There is no maximum.
No. The only fee for the program is the $750 annual management fee — there are no management or distribution fees beyond what is disclosed, and no set-up or closing loan fees. The life insurance policy has its own separate fees, detailed in the carrier illustration.
Your contribution is due 30 days prior to each policy anniversary, for the first 5 years. Payments are made to Stream by check or wire transfer.
The policy is either surrendered or Stream assumes control of it, and the client forfeits all rights to the policy and its benefits. Because the contribution schedule is central to how the leverage works, it's important to be confident you can fund all five years before you enroll.
Two years of tax returns and a personal financial statement, used to verify your accredited investor status. There is no financial underwriting for the bank loan itself.
Within 45 days of each policy anniversary, delivered by email or mail. You can also track your plan any time through the client and partner portal.
Your rights are to the life insurance policy and its associated benefits — the cash value you can access, the living benefits, and the death benefit for your beneficiaries. Stream handles the bank relationship on your behalf.
Upon death, the death benefit is first used to fully repay the bank loan. After the loan is satisfied, the remaining net amount is distributed to your beneficiaries or trust — potentially tax-free.
Design your plan in minutes and see what a bank-boosted, tax-advantaged retirement stream could look like for you.
Our team reviews every submission with the care it deserves — we'll be in touch within 48 business hours.
