The power of having a Tax-free retirement
          "Tax-free retirement" has a nice ring to it. If, like two-thirds of Americans, you are unsure you've saved enough for your out years, it's especially nice to know that Uncle Sam won't be pinching a slice of your meager pie. Or maybe you're an ample saver convinced by the tax talk in Washington that the feds will undo your careful planning by raising taxes by the time you call it quits. 
            The life insurance retirement plan is another, more specialized, income-bearing product. Essentially a massively overfunded universal life policy, a LIRP allows the owner to withdraw the policy's excess cash tax-free and take loans tax-free.

What do I receve in Tax-Free retirement Strategy?

Death Benefit Protection

           First, the death benefit protection is a given. This life insurance policy will last you for the remainder of your lifetime. It will also build up cash value.


Opportunity for Growth 

           Cash value component in the policy, gives you the opportunity to grow your funds based on a market-linked index, such as the S&P 500. 


Protection of Principal

           While there is the opportunity for additional growth of funds, there is also protection of your principal. When market downturn, your account is simply credited with a 0%. This not only protects your funds from loss, but also alleviates the need to make up lost ground from negative years. 


Access to Funds

           The cash that is in the cash value component can either be withdrawn or borrowed for any reason. This money can be used for paying off high interest credit card debt, personal loans, or even your home mortgage


Supplemental Retirement Income, Tax Free

            Becouse of the loan provisions, you can also use a policy's cash value to help in supplementing your retirement income. This can be especially beneficial if you are trying to fill an income gap and/or if you are under age 59½ and don't want to face the IRS early withdrawal penalty.


Protection from Creditors

             In this policy cash values are also exempt from lawsuits and the claims of creditors.

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 Neither Nadia Tupikina nor American Senior Benefits are affiliated with or endorsed by Medicare or the federal government. By responding to this advertisement, you are giving Nadia Tupikina, a licensed insurance agent, permission to contact you.