Wealth Program – Insured Retirement Plan

What is the Insured Retirement Plan (IRP)?

The Insured Retirement Plan (IRP) is a powerful tax planning strategy designed to enhance your financial security and retirement lifestyle. By leveraging tax-exempt life insurance, you can build wealth while securing your legacy.

Key Benefits of the IRP:

• Tax-Deferred Growth: Investments grow tax-free within the cash value of your life insurance policy.
• Flexible Retirement Income: Access cash value through withdrawals, policy loans, or collateral loans from banks.
• Estate Planning & Wealth Transfer: Tax-efficient estate transfer ensures funds go to beneficiaries.
• Corporate Wealth Strategy: Small businesses can use tax-exempt life insurance for tax-efficient growth.

How It Works:

1. Invest in a tax-exempt permanent life insurance policy.
2. Allow assets to grow tax-free over time.
3. Access cash value as tax-efficient retirement income through loans.
4. Repay outstanding loans using the policy’s death benefit.

💡 Ideal for high-net-worth individuals and business owners seeking additional tax-free retirement income.