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Ernst & Young’s research found that integrating permanent life insurance (PLI)—including whole life, and indexed universal life (IUL)—alongside deferred income annuities (DIA) with increasing income potential can significantly boost your retirement income compared to investment-only strategies.
Key Benefits:
- Higher Retirement Income & Legacy Value: A blended strategy yielded 3.5% more retirement income and 16.3% greater legacy value for a modeled couple at age 95.
Flexibility: Allows customization between income generation and legacy preservation.
- Tax Advantages: Includes tax-advantaged cash value growth and tax-free death benefits.
- Risk Mitigation: Helps manage longevity, market, and inflation risks; cash value can buffer against market downturns.
Insurance Types:
- Term Life: Fixed premium for a pre-determined time (usually 10-30 years). When it expires, you need a new policy at a greatly increased premium. No cash value, does not contribute to retirement income
- Whole Life: Offers guaranteed premiums, fixed cash value growth, and stable death benefits.
- Indexed IUL & Fixed Indexed Annuities: Ernst & Young’s newer study shows these plans outperform investment-only strategies in after-tax income and legacy outcomes. These plans have guaranteed growth, even if the market goes down.
Conclusion:
Ernst & Young advocates for a comprehensive retirement strategy that includes permanent life insurance and annuities to enhance financial security, optimize tax benefits, and better manage risks. Integrated Planning Strategies’ clients have benefited from these types of planning initiatives for the last 2 decades. Your money is safe, your money is exceedingly productive, and you maintain flexibility for the future.
Integrated Planning Strategies specializes in comprehensive strategies that maximize your income streams in retirement, using “safe money” to avoid loss due to market declines.
