What the banks actually do with their own money $205.7B

of cash value life insurance sits on bank balance sheets.

You have never once been offered it at the counter.

Show me how it works →

Three thousand and fifty three American banks hold it. Around 80% of banks between $500 million and $10 billion in assets own it. Regulators let them park it against a quarter of their capital.

Source: FDIC call report data, Sept 30 2024
Concentration threshold: 25% of Tier 1 capital
Not a theory. A filing.
What I actually do

Own it
outright.

Most people do not own their financial life. They rent it. The bank holds the note, the platform holds the record, the custodian holds the asset, and somebody else earns on it the entire time it sits there.

Everything I build points at the same problem from a different side: hold the asset, control the capital, and be able to prove both without asking anyone's permission.

That is one idea, not four companies. The insurance work is the capital side of it. The software is the ownership and provenance side. If you only ever take one thing from this page, take the number above, because it tells you what people who move money for a living already decided.

Where that leads
01

Become your own bank

The capital side. A whole life policy structured for cash value, used as a personal financing system. Ninety seconds to understand it, and a straight answer on whether it fits you at all.

Start here → 02

DeedStash

Title and provenance. What you hold, how it is held, and a clean record of it that stays private until you need it.

deedstash.com → 03

LootLens

What the things you already own are actually worth, priced against real resale data instead of a guess.

lootlens.ai → 04

Ironparse

COBOL parsing with signed receipts, for the institutions still running the ledgers everything else depends on.

ironparse.com → 05

KillSesh

Session security. Ownership of your own accounts, which is the version of this problem nobody thinks about until it is too late.

killsesh.com →
Who you would be dealing with
Dylan Beers
DB
Dylan Beers · Portland, OR

Combat medic.
Then this.

Four years as a 68W combat medic, Ranger School graduate, still serving in the Oregon Army National Guard. The job was to stay calm and tell people the truth about their situation, especially when the truth was bad. This one turns out to be the same job.

I am a licensed life insurance producer in 26 states and an independent broker, which means no single company owns my recommendation. I also write software, which is why the things on this page exist instead of being a slide deck about them.

I do not make claims about what anyone earns, mine or yours. I will tell you when something is not a fit, and that happens often enough that I put it in writing on the page it applies to.

  • LicenseLife producer, 26 states
  • ServiceArmy 68W combat medic. Ranger Tab, EFMB, Airborne
  • Directdylan@beers.cash

See the capital side →