Protect Your Plan from Derailing

Protect your family from untimely death with income tax-free death benefit
Continue your income free from income tax if you get injured or become too sick to work
Save money without contribution limits or age-based distribution rules and penalties
Add a low-volatility, low-correlation, tax-efficient asset class without market risk 
Save money without being taxed on the growth
Withdraw money without being taxed 

Tax Minimization Strategies for High Income Earners

UNIQUE TAX ATTRIBUTES 
Life insurance is a unique financial instrument with features that are unavailable in any other financial products, particularly its tax attributes. Thus, in addition to its risk management mechanism, properly designed life insurance can go a long way in helping you minimize your tax burden.
NO INCOME TAX ON GROWTH
The life insurance cash value grows without being taxed as it accumulates. On the other hand, earnings from an investment portfolio are generally taxed along the way as ordinary income or capital gain. 
NO INCOME TAX ON WITHDRAWAL
You can access the cash value of life insurance without triggering income tax. Withdrawals up to the cost basis or borrowing against a policy cash value is not subject to taxes.*
NO INCOME TAX ON DEATH BENEFIT
Life insurance death benefit is generally paid out free of income tax. By contrast, when beneficiaries withdraw money from a retirement plan, they generally pay taxes on the distributions.
TAX MINIMIZATION STRATEGY EXAMPLE #1: ​TAX-EFFICIENT, LOW-VOLATILITY ASSET WITH NO MARKET RISK
Well-designed life insurance can be an integral part of your investment portfolio. It can function as a low-volatility, non-correlated, tax-advantaged asset class without stock market risk.
TAX MINIMIZATION STRATEGY EXAMPLE #2: ​TAX-FAVORED SAVINGS WITHOUT THE IRA RULES AND LIMITATIONS
Unlike IRAs and 401(k), there are no contribution amount limits, early withdrawal penalties, or required minimum distributions.
TAX MINIMIZATION STRATEGY EXAMPLE #3: ​KEEPING YOUR TAX BRACKET DOWN 
Instead of (or in addition to) drawing income from investments that are fully or partially taxed during retirement, you can take tax-free distributions* from life insurance. This helps keep your overall tax bracket down.
* Tapping into the cash value of a life insurance policy reduces its value and death benefit and increases the chance of policy lapse. In the event of a policy lapse, an outstanding loan in excess of the cost basis is taxable. Loans and withdrawals from a modified endowment contract may be subject to tax and penalty.