Login Open an ERA
AdvisorReady™ • A ReCapture Financial ERA Feature

Already Have a Cash Value Life Insurance Policy? Let Your ERA Help You Put More Money Into It.

AdvisorReady™ is for households that already own an active cash value life insurance policy and want another source of money they can put toward that policy.

You already have the policy. AdvisorReady™ does not sell you another one. It gives you the option to use Monthly Passive Residual Income from your ReCapture ERA to put more money toward the policy you already own.
Open an ERA See How AdvisorReady™ Works
You Already Own the Policy AdvisorReady™ is built for an existing active cash value life insurance policy.
Your ERA Creates Another Monthly Resource ReCapture pays Monthly Passive Residual Income according to applicable ERA program terms.
You Decide Where It Goes Keep your payment or direct the amount you choose toward the policy you already own.
Why AdvisorReady™?

Your Policy Already Has a Job. AdvisorReady™ Helps You Put More Money Toward It.

You bought your policy for a reason. The challenge is finding additional money to put toward it without asking your paycheck to do even more.

That's Where Your ERA Comes In.

An ERA is an Expense Reimbursement Account. ReCapture Financial's ERA is called MiddleBanking™ 1.0.

You use your ERA with the household bills and expenses you're already paying.

ReCapture Financial pays you Monthly Passive Residual Income according to the applicable ERA program terms.

AdvisorReady™ lets you give some or all of that payment a specific destination: the cash value life insurance policy you already own.

Today You Already Have Household Expenses. AdvisorReady™ doesn't require you to create new household expenses to use the feature.
Your ERA ReCapture Pays You. Your active ERA can provide Monthly Passive Residual Income according to applicable program terms.
AdvisorReady™ Put That Money Toward the Policy. Authorize ReCapture to direct the amount you choose toward your existing policy.
How AdvisorReady™ Works

You Already Have the Policy. Connect It to Your ERA Benefit.

AdvisorReady™ doesn't change what an ERA is. It simply gives your Monthly Passive Residual Income another place to go.

01 Open Your ERA Open your ReCapture Financial Expense Reimbursement Account.
02 Use Your ERA Add the regular household bills and expenses you already pay and keep your ERA current.
03 Activate AdvisorReady™ Add AdvisorReady™ to your ERA and verify the active cash value policy you already own.
04 Choose the Amount Tell ReCapture how much of your Monthly Passive Residual Income you want directed toward your existing policy.
Your Money. Your Choice.

AdvisorReady™ Doesn't Take Away Your Monthly Payment.

It gives you another way to use it.

Option One

Receive Your Monthly Passive Residual Income.

Have ReCapture send your applicable Monthly Passive Residual Income payment to you.

Option Two

Put the Amount You Choose Toward Your Existing Policy.

Authorize ReCapture to direct some or all of your applicable Monthly Passive Residual Income toward the active cash value life insurance policy you already own.

The AdvisorReady™ Idea

Stop Asking Your Paycheck to Fund Everything.

Your paycheck already has to cover today's household expenses. AdvisorReady™ gives you the option to use another monthly resource toward a policy you're building for tomorrow.

Your Household The Bills Are Already There. Housing, transportation, utilities, insurance, groceries and other regular expenses don't disappear because you also have long-term financial goals.
Your ERA Those Existing Expenses Can Produce Another Monthly Resource. ReCapture pays Monthly Passive Residual Income according to applicable ERA program terms.
Your Policy AdvisorReady™ Gives That Resource a Destination. Instead of relying only on your paycheck for additional policy funding, you can direct the amount you choose from your ReCapture payment toward your existing policy.
Clear Responsibilities

ReCapture Handles the ERA. Your Licensed Professional Handles the Policy.

AdvisorReady™ connects the two without turning ReCapture into your insurance company or financial advisor.

ReCapture Financial

ReCapture provides your Expense Reimbursement Account, pays applicable Monthly Passive Residual Income, and carries out an AdvisorReady™ payment-direction instruction that you authorize and ReCapture accepts.

ReCapture Financial does not sell you the life insurance policy.

Your Licensed Professional

Your existing insurance company, licensed insurance professional or financial professional remains responsible for the policy itself and for any insurance or professional advice associated with it.

AdvisorReady™ does not replace your existing professional relationship.

Add AdvisorReady™ to Your ERA

One-Time AdvisorReady™ Activation Fee

$250

One Time. Not Monthly.

The $250 activation fee adds AdvisorReady™ to your ERA and covers the additional setup, policy verification, documentation and payment-direction setup associated with the feature.

This is an activation fee to add AdvisorReady™ to your ERA. It is not a membership fee or monthly fee.

AdvisorReady™ FAQ

Simple Answers.

Do I need to already have a cash value life insurance policy?
Yes. AdvisorReady™ is designed for households that already own an active cash value life insurance policy. ReCapture Financial does not sell you the policy.
Do I need an ERA?
Yes. AdvisorReady™ is a feature added to a ReCapture Financial Expense Reimbursement Account. ReCapture's ERA is called MiddleBanking™ 1.0.
What is an ERA?
ERA stands for Expense Reimbursement Account. ReCapture Financial's ERA is called MiddleBanking™ 1.0. It is used with the household bills and expenses you already have.
Does AdvisorReady™ change my insurance policy?
No. AdvisorReady™ does not change the terms of your policy. Your insurance company and licensed professional remain responsible for the policy itself.
Does ReCapture sell life insurance?
No. ReCapture Financial does not sell the life insurance policy through AdvisorReady™.
Do I have to send all of my Monthly Passive Residual Income to my policy?
No. AdvisorReady™ allows you to authorize the amount you want directed toward your existing policy, subject to applicable program terms and acceptance of the instruction by ReCapture Financial.
Can I receive the payment myself instead?
Yes. AdvisorReady™ gives you the option to receive your applicable Monthly Passive Residual Income yourself or direct an authorized amount toward your existing policy.
Is the $250 a membership fee?
No. The $250 is a one-time activation fee to add AdvisorReady™ to your ERA. It is not a monthly membership fee.
Who handles questions about my life insurance policy?
Questions about the policy itself, its cash value, premiums, benefits, performance, tax treatment or suitability should be directed to your insurance company or appropriately licensed professional.
AdvisorReady™

You Already Have the Policy. Now Give Your ERA Payment Another Job.

Open your ReCapture Financial ERA and add AdvisorReady™ when you're ready to direct the amount you choose from your Monthly Passive Residual Income toward the cash value life insurance policy you already own.

Open an ERA Savings Forecaster

AdvisorReady™ requires an active ERA, the one-time $250 AdvisorReady™ activation fee, an active existing cash value life insurance policy, and continued current status under applicable program terms.

Important Information

ReCapture Financial is a financial technology company and is not a bank, insurance company, insurance agency, broker-dealer or investment adviser. MiddleBanking™ 1.0 is ReCapture Financial's Expense Reimbursement Account (ERA) program.

AdvisorReady™

AdvisorReady™ is an optional feature for ReCapture Financial ERA customers who already own an active cash value life insurance policy. AdvisorReady™ does not constitute the sale, solicitation, recommendation or replacement of an insurance policy. ReCapture Financial does not provide insurance, investment, tax or legal advice through AdvisorReady™.

Existing Insurance Policy

The insurance company that issued the policy and the customer's appropriately licensed insurance or financial professionals remain responsible for the policy, policy terms, premiums, cash value, benefits, illustrations, suitability and professional advice. Customers should consult the appropriate licensed professional regarding the effect of additional payments on an existing policy.

Payment Direction

A customer may authorize ReCapture Financial to direct an accepted amount of applicable Monthly Passive Residual Income toward an existing policy. Payment-direction instructions are subject to verification, authorization, acceptance and applicable program terms. AdvisorReady™ does not guarantee policy performance, cash-value growth, investment results or any particular insurance outcome.

Monthly Passive Residual Income

Monthly Passive Residual Income is paid by ReCapture Financial from company revenue according to applicable ERA program terms. Amounts are based on verified household expenses, account status and applicable program terms. Monthly Passive Residual Income is not bank interest, an investment return, a dividend or an insurance-policy return.

Activation Fee

AdvisorReady™ requires a one-time $250 activation fee to add the feature to an ERA. The activation fee is not a membership fee or recurring monthly fee.

© ReCapture Financial™ • AdvisorReady™ • MiddleBanking™ 1.0 Expense Reimbursement Account