BETTER LIFE INSURANCE
A Life Insurance Retirement Plan (LIRP) offers a unique blend of life insurance protection and retirement savings, making it a smart choice for securing your financial future. With a LIRP, you can enjoy tax-advantaged savings growth, ensure a legacy for your loved ones, and access your accumulated cash value for retirement income.
It’s a flexible, powerful tool that safeguards your family’s financial well-being and helps you achieve a comfortable, worry-free retirement. Start planning today for a secure tomorrow with a Life Insurance Retirement Plan.
LIRP – Life Insurance Retirement Plan
More than life insurance.
A smart, tax-efficient strategy for your retirement.
A Life Insurance Retirement Plan (LIRP) combines permanent life insurance with long-term cash value growth, giving you protection today and flexibility for the future.
What a LIRP Can Do for You
Life Insurance with Living Benefits
Provides protection for your loved ones and access to benefits in the event of chronic illness, critical illness, injury, or cognitive conditions such as dementia.
Tax-Advantaged Growth Potential
Builds cash value inside the policy with strong growth potential, without direct exposure to market volatility.
Tax-Free Access to Your Money
Access your policy’s cash value tax-free* for:
Medical expenses
Emergencies
Retirement income
No early-withdrawal penalties and no requirement to wait until age 59½.
Tax-Free Legacy
Your death benefit passes directly to your beneficiaries, typically income-tax free and without probate.
How a LIRP Compares to Other Options
Term Life Insurance
Provides death benefit only
No cash value or retirement income
Coverage expires after a set period
Traditional Retirement Accounts (401(k), IRA, etc.)
No life insurance protection
Withdrawals are taxable
Age restrictions and penalties apply
Subject to market risk
Why Consider a LIRP?
A LIRP is a powerful hybrid strategy that combines protection, growth, flexibility, and tax advantages in one solution.
It’s not just insurance — it’s a strategic tool designed to help you build and protect your financial future.
More Like leasing the place
Covers the need with a level term: 10, 15, 20, and 30 + YEARS.
This policy provides a death benefit payment to the designated beneficiary should the insured pass away during the specified term.
Can become a permanent IUL after year one, with no health exam.
Buying the house
Builds Equity “cash value”
Guaranteed Level Premium
Guaranteed Death Benefits Protection
Life Insurance You Don’t Have to Die to Reap the Benefits
LIVING BENEFITS
Critical Rider: Heart Attack, Stroke, Cancer, Coma, Etc.
Chronic Rider: When one cannot perform 2 of ADLs (activities of daily life) or dementia
Terminal Rider up to 24 months (note)
Injury Rider
PERMANENT LIFE INURANCE
TERM LIFE INSURANCE
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