Create custom, tax-deductible bonus plans to protect your investment in your most important asset: your staff.

Unique Value

Your staff will own the same leveraged assets that banks have used for centuries to protect their safe money.

Free of Charge

No administrative or legal fees at any point during the creation, implementation, or management of your bonus plans.


Create a legitimate expense that is 100% tax-deductible with no contribution limits.

Here's what the numbers say

Employees who receive bonuses or other regular rewards are 8x more engaged.
23% of employees have no benefits at all.
Only 40% of all U.S. workers have access to non-production bonuses.
The cost of replacing an employee can range from 50% to 400% of their annual salary.
78% of employees reported they are more likely to stay with an employer because of their benefits program.
Over 40% of workers said their company loyalty would increase if their benefit options were customized to meet their individual needs.

*According to Forbes and United Insurance

Check out this case study

"I need to do something special to make sure my key staff stays with me."


Michael owns a medical device company. He's spent ten years building the business, and growth was steady until he hired Jennifer, a 40-year old sales representative. Jennifer's passion and expertise has tripled sales, and she now trains other salespeople within the company. Michael has given Jennifer annual raises and she participates in the company's retirement plan, but Michael feels he owes the success of the company to Jennifer's work ethic. He fears that another company may try to lure Jennifer away and has no idea how to provide any new or alternative value to her compensation package.


Michael's agent suggests a SmartLock™ Bonus Plan as a way to use tax-deductible funds to reward Jennifer. The bonus plan provides a retirement supplement with guarantees and a forever death benefit to Jennifer and her family. Michael loves the idea and approves a plan. Jennifer applies for the policy and Michael pays the bonus as premium for the policy. As Jennifer and her team continue to outperform their sales goals, Michael continues to accumulate these plans for her. Through this arrangement, Jennifer feels loyal to Michael and stays with the company until she retires.

It's a simple process

Step 1: Free Consultation

We will walk you through the specifics of the SmartLock™ Bonus Plan and help you with initial design.

Step 2: Inform Plan Participants

Let the selected workers know that you will be offering the bonus and get them in contact with the agent.

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Step 3: Workers Submit Applications

Agent meets with worker to go over plan details and begin the implementation process.

Step 4: Underwriting and Agreements

Medical and/or financial qualification for plan is determined while custom bonus design is finalized.

Reward your staff in a way they'll never forget

In today's world, it's more important than ever to give your current and future staff a reason to stay loyal to your company. Therefore, finding a simple-to-administer method of rewarding select people is important.

With that being said, we know that most employer programs are expensive to run and challenging to maintain. SmartLock™ Bonus Plans are the perfect solution.