Plan For Tomorrow Today!

Let`s Look at a Case Study

The Preferred Solution

Meet Brian and Kendra

  • Brian and Kendra are both 43 years old
  • They plan to retire at age 65
  • They can put aside $22,000 each year for the next 15 years.
  • At age 65, they need $30,000 a year to supplement their retirement income until age 85.

Their options are to use their taxable investments or use the cash value of a life insurance policy as collateral for a bank loan.

Which is the more tax-efficient solution?

Preferred Retirement – Illustrating a Joint Last to Die Contact.

Taxable Investments – Illustrating a 6% annual rate of return.

Using participating whole life insurance as collateral for a tax-free bank loan, Brian and Kendra supplement their retirement income and create a significantly larger estate.

Some of the benefits of the Preferred Retirement


  • Flexibility of deposits and withdrawals
  • Tax free retirement income
  • Tax exempt growth of assets
  • Tax free transfer to next generation
  • Immediate estate creation