A Restricted Endorsement Bonus Arrangement (REBA) is an employee benefit program meant to enhance your overall financial plan via the purchase of a permanent life insurance policy. The policy is purchased and owned by you, but the premiums are paid by your employer. 

These premium “bonuses” are an extra benefit provided by your employer to help you build cash value in the policy and provide additional retirement income¹².

(1) Restricted Endorsement Bonus Arrangements. https://issueins.com/wp-content/uploads/JH-REBA-Toolkit.pdf.

(2) Restricted Endorsement Bonus Arrangements (REBA) - John Hancock Insurance. https://advisor.johnhancockinsurance.com/content/dam/JHINS/documents/unsecured-documents/advanced_markets/business-planning/non-qualified-benefits/LIFE-7712_reba_client_snapshot.pdf.

(3) BUSINESS STRATEGIES Executive Bonus Arrangements - Cognizant assetSERV. https://prudential.assetserv.com/prudential/download/file?assetId=8267270.

(4) Executive Bonus Plans and Restricted Endorsement Bonus Arrangements. https://advisor.johnhancockinsurance.com/content/dam/JHINS/documents/unsecured-documents/advanced_markets/business-planning/non-qualified-benefits/LIFE-7715_executive_bonus_plans.pdf.