Life Insurance Retirement Strategy

The Life Insurance Retirement Strategy helps create an effective net after-tax retirement income, while simultaneously mitigating certain market and litigation risks.

Sponsored by the entity, accumulation-designed life insurance policies are owned by the executive or professional.  Contributions are paid by the sponsoring organization and represent current compensation to the participant.

Such institutionally priced policies feature some of the best characteristics of a Roth – the potential for tax free growth and tax free retirement withdrawals. Diversifying the taxation of one’s future retirement income can be a hedge against higher future tax rates. Properly designed, this tax-favored strategy complements the benefits of investment asset allocation in achieving one’s overall retirement objectives.