What if you heard a very reputable financial institution was advertising a 5% savings rate for all QUALIFIED customers? On top of that, if in the event you became disabled, the institution would pay your current deposit premium* for as long as your disability continued and in the event you passed away, would deliver a death benefit to your beneficiaries (Tax Free) for much more than you deposited.  While your account is active, you have total liquidity, use and control of your money in the event you need it for any reason, without penalty or having to qualify for it (That’s Huge).  And the best part is, your account is simply used as collateral and the money you borrow is the institutions, allowing the 5% to be earned on YOUR ever-increasing account balance each year so it can grow uninterrupted. Yes, you will pay a competitive interest rate on the money you borrow, however this will be on a smaller pool of money and can be paid back at your convenience if at all. This is true uninterrupted compounding of interest in an account with no repayment schedule so you can repay at any time if you so choose. 

Here are the only requirements:

1)  That you make continual monthly or annual deposits for several years to get your money working for you.  Then your account will grow each year by more than your deposit.

2)  That you or a loved one are moderately healthy and that neither of you are criminals or have a high risk lifestyle. And if any of these are true, you may be able to rely on someone who you have an insurable interest in.

If this were true (and it is), how much money would you want in there, and how soon?

* Must be under 55 years old