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Insured Retirement Plan
This solution uses a permanent life insurance policy to provide you with the insurance protection you need plus a unique additional feature…access to tax-free cash during your retirement years.

Under current tax law, the cash value in a life insurance policy accumulates tax-free, up to certain limits. The insured retirement program lets you use that cash value at a point in the future. Whether you want to supplement retirement income, purchase a vacation property or go on a trip, the insured retirement program lets you use your policy’s cash value as collateral for a bank loan.

This bank loan provides the cash you desire…and you receive it tax-free. The loan doesn’t have to be repaid until the life insured dies. When the insured dies, the tax-free death benefit is used to repay the loan and the interest. Once the loan is repaid, any remaining death benefit is then paid to the policy’s beneficiary.

An example to show how this solution works (English or Chinese)


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