Life Planning

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(301) 794-4290

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(866) 295-2442

Permanent Life Insurance not only helps to protect your beneficiaries, it also allows you to build cash value that can be used in a Tax-Favored manner.

What if you could:

Would you be interested?

Strategies to Save for Retirement:

It’s not just about how much you can accumulate for retirement………you need to consider taxes on retirement income.

Look Closer at Tax-Free Retirement Strategies

Roth IRAs: Good choice…if you qualify.  In order to contribute to a Roth IRA your adjusted gross income must be below a certain threshold.  In 2018, contributions are limited to $5,500 per person unless you’re 50 or older and then you can contribute an extra $1,000 as a catch-up provision.

What are your options if you don’t qualify for a Roth IRA, or if you want to contribute more?

Permanent Life Insurance: The primary purpose for purchasing Permanent Life Insurance is for the death benefit protection that it provides.  However, Permanent Life Insurance offers the ability to build up tax-deferred cash value that can be accessed during your lifetime to generate a stream of retirement income – potentially tax-free.

How it Works:
Each premium payment you make

Builds cash value income Tax-deferredProvides an income tax-free Death benefit to your named Beneficiary
Cash value that you can use during your lifetime, through policy loans and withdrawals, to provide a tax-free retirement income.Optional Accelerated Benefit Riders allow you to access the death benefit during lifetime in the event of a Terminal, Chronic, Critical illness or injury.

Permanent Life Insurance Provides:

Tax-Free Retirement Strategy

Using Permanent Life Insurance

Additional Benefits of Permanent Life Insurance


In the event of a premature death, the income tax-free death benefit would help fund your spouse’s retirement goals.

Access to funds in the event of disability

Accelerated Benefit Riders are available at no additional cost and may allow you to access all or a part of your death benefit to help pay for costs associated with a terminal, chronic, critical illness or critical injury.

Protection in the event of disability

For an additional fee, many policies offer an optional Waiver of Premium Rider that continues to pay your planned premiums if you became permanently disabled, keeping your policy on track with your original accumulation goals.

You don’t have to figure it out alone. We’ll help you. Schedule a consultation today.