overpaying taxes

Life Insurance as an Executive Retirement Strategy

Many executives hit contribution limits with 401(k)s or IRAs. Life insurance offers a tax-advantaged way to build supplemental retirement income beyond those limits.

Key Advantages of Life Insurance for Retirement

💵 No Contribution Limits
Fund policies at higher levels than qualified plans allow.

📊 Tax-Free Withdrawals
Access funds through policy loans without triggering income tax.

📉 Protection from Market Losses
Indexed strategies provide growth potential without market downside.

🏡 Permanent Protection
Coverage continues for life, benefiting both retirement and estate planning.

🏁 Tax-Advantaged Legacy
Death benefits are generally income-tax free to heirs.

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