indexed universal life insurance
Building a Tax-Free Income Stream with Life Insurance
Life Insurance Retirement Plans Explained A life insurance retirement plan (LIRP) offers unique tax advantages that traditional retirement accounts can’t match. These specially designed permanent life insurance policies allow policyholders to accumulate cash value tax-deferred while maintaining access to funds through policy loans. Unlike 401(k)s or IRAs, LIRPs don’t have contribution limits based on income. […]
Comparing Indexed vs Variable Universal Life: Which Is Better for You?
Indexed Universal Life Insurance Explained Indexed universal life insurance (IUL) offers a unique balance of growth potential and protection. These policies credit interest based on stock market index performance while guaranteeing your principal against market losses. The caps and participation rates determine how much upside you can capture during strong market years. When evaluating indexed […]
Premium Financing: How the Ultra-Rich Buy Life Insurance
Premium Financing Life Insurance Explained Premium financing life insurance allows high-net-worth individuals to leverage bank loans to purchase large policies without liquidating assets. This strategy preserves investment capital while obtaining substantial death benefit coverage. The ultra-wealthy use these arrangements to maintain liquidity while creating tax-advantaged wealth transfer vehicles. When structured properly, premium financing life insurance […]
The Secret Strategy Behind Life Insurance Retirement Planning
Life Insurance Retirement Plans Explained A life insurance retirement plan (LIRP) offers unique tax advantages that traditional retirement accounts can’t match. These specially designed permanent life insurance policies allow policyholders to accumulate cash value tax-deferred while maintaining access to funds through policy loans. Unlike 401(k)s or IRAs, LIRPs don’t have contribution limits based on income. […]