Make your retirement income go further

Saving for retirement in tax-deferred accounts like 401(k)s and IRAs can mean paying more in taxes later. Learn how tax diversification can help you keep more of what you've earned.

Tax-diversify your retirement income

You probably know it’s a good idea to diversify your investments. But did you know you can also diversify how your retirement income is taxed? Learn how we can protect against rising tax rates by building sources of tax-free income into your retirement plan.  

How cash-value life insurance can help

Lasting protection

A permanent life insurance policy provides a death benefit to your loved ones. And as your life insurance needs change, the policy continues to offer value by supporting your financial needs in retirement.  

Growth opportunities

There are different policies to meet your growth needs and risk tolerance: Whole Life can offer steady, guaranteed growth¹, while Variable Life can help you pursue market returns².

Tax-advantaged withdrawals 

You can typically take tax-free loans from your policy’s cash value3—diversifying the tax treatment of your retirement income and potentially lowering your overall tax burden in retirement.  

Let’s talk about your retirement strategy

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1 Guarantees are based on the claims-paying ability of the issuer

2 Variable life policies are subject to market risk including possible loss of principal

3 Accessing the cash value will reduce the death benefit and the cash surrender value. Certain tax advantages are no longer applicable to a life insurance policy if too much money is put into the policy during its first seven years, or during the seven-year period after a “material change” to the policy.