10-Year Loyalty Bonus
Earn a 7.5% loyalty bonus at year 10 by making all scheduled contributions with no withdrawals or loans during this period. The bonus is based on your total contributions.
A smart way to stay invested and pursue growth
What is a Market Shield Savings Plan?
Our Market Shield Savings Plan, issued by Manhattan Trust I.I., allows plan participants to make regular contributions while benefiting from the potential for unlimited upside growth. The product is indexed to the S&P 500®, providing access to market-based growth opportunities with a structured and disciplined approach.
How it Works
By contributing consistently over time, you not only make your payments more manageable, but you also benefit from dollar-cost averaging, a strategy that can help reduce the impact of market volatility by purchasing more shares when prices are low and fewer when prices are high.
Loyalty Bonus
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15-Year Loyalty Bonus
Receive an additional 7.5% loyalty bonus at year 15 by maintaining all contributions with no withdrawals or loans. This bonus applies to contributions made from years 11 to 15.
Market Shield Savings Plan Benefits
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Unlimited Potential
When the market goes up, so does your account value. We will invest your regular contributions in the S&P 500® without any cap or ceiling. As a result, your investment has unlimited upside potential.
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No Market Downside
As long as your contributions are paid timely and no withdrawals are made, you are guaranteed to receive back 140% of your regular contributions at the end of your 15-year contribution term.
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Loyalty Bonus
If all contributions are paid timely and no withdrawals are made, you will earn a 7.5% loyalty bonus at the end of years 10 and 15.
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Coverage for all Life Stages
Available to individuals ages 0–70, our Market Shield is designed to support your financial goals at any life stage.
Market Shield Savings Plan Clientele
What kind of clients purchase a Market Shield Savings Plan?
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Consistent Investors
For clients who value regular contributions and seek long-term growth potential with access to market-based opportunities.
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Parents & Minors
Designed for parents who want to encourage consistent savings for education or future needs, with the possibility of growth alongside certain guarantees.
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Emergency and Legacy Planners
For clients focused on building a financial cushion and planning for the future, offering structured savings with features intended to help preserve contributions.
Add Extra Protection
Optional Term Life Rider available to enhance your Market Shield Base Plan.
Policies are issued through individual Subtrusts within a Master Trust structure, providing a secure structure for the benefit of the designated beneficiaries.
Want to learn more about our Market Shield Savings Plan?
Explore features, benefits, and important details in our brochure.
View the Brochure ›