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Retirement Planning
Retirement Planning Information

In some circumstances, a life insurance retirement plan can offer additional flexibility. Like a 401(k) or IRA, the cash value of an insurance policy is tax-deferred, but a cash value policy also has the following advantages:


  • There is no limit to how much money you can pay into a cash value policy, while 401(k)s and IRAs both have annual contribution limits.

  • Whole life insurance and certain other types of cash value life insurance often guarantee a floor for returns. That means that you won’t lose money during a market downturn.

  • There are no age restrictions on accessing the cash value of a life insurance policy, whereas you’ll pay a penalty for withdrawing money from a 401(k) or IRA before age 59½.

Important Notice
Any submissions or payments made via this website do not constitute a binding agreement to your policy or coverages. Changes and payments to policies are not effective or binding until you, or any party involved, receive official notice from either your insurance agent, or your insurance company. If you have any questions, please feel free to contact us.

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