Life Insurance
Retirement Policy
A Single Vehicle That Can Provide Tax-Free
Growth Now & Tax-Free Income Later
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In recent years, the idea of using life insurance contracts as a means
of supplementing retirement income has become increasingly popular.
The growing popularity of Life Insurance Retirement Plans (LIRP’s), or
Life Insurance Asset Accumulation Plans (LIAAP’s) can be attributed to
several factors.
As the future of Social Security has become less certain, people have
become more certain that they need to save for their own retirement.
Tax law changes have reduced the amount highly compensated
employees can contribute to their qualified plans. The contribution
maximum is now based on the first $150,000 of compensation only.
Corporate downsizing has reduced people’s confidence in company
retirement plans.
In general, Cash Value Life Insurance is becoming increasingly
recognized as offering one of the most flexible ways to grow & access
accumulated assets--income tax-free.
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