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The following article was published in our article directory on July 4, 2017.
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Article Category: Finances
Author Name: Jennifer Lang
Life insurance and retirement planning are often considered two separate fields of interest, since planning retirement is for your own sake while life insurance benefits your beneficiaries. Yet, the two can be merged in order to plan a better retirement.
While many people consider it a risky option, we feel that when done right the option has its perks. Read on to find out how life insurance can offer interesting benefits for your retirement plan.
Permanent Life Insurance
Among the various types of life insurances, the one that is considered a great way of supplementing a person's retirement plan is the permanent life insurance plan. A permanent life insurance plan offers different options as well such as universal, variable, or even a hybrid of two. However, in each case, a portion of your premiums is saved in a separate account. This builds financial value either alongside or in addition to one's death benefit.
Another advantage of the permanent life insurance is that you can borrow against or withdraw this cash value. This will be of help in case you lose your job as well as for funding your retirement. However, you must realize that this practice will cause a considerable decrease in your death benefits unless you repay these loans. Also, in case of borrowing more money than what you have as the surrender value can result in the relapsing of your policy.
On the plus side, you can receive the tax advantages if you use the life insurance policy for retirement because borrowing from it is 100% tax-free.
Do not just rely on Life Insurance
While using life insurance for funding your retirement has a number of benefits, you must realize that depending solely on this for your retirement funds may not suffice. We recommend that you max out the other retirement options as well such as IRAs and 401(k)s and then for the permanent life insurance policy in lieu of them.
However, you are recommended to take life insurance first and foremost as a means to protect your business and family in case some misfortune is to strike you. Older citizens who have a higher net worth are more likely to reap the benefits of permanent life insurance policies because of the tax savings on withdrawals and borrowings.
Life insurance policies, thus offer a two in one benefit policy. While on one hand, you get to help your family if something bad happens to you, on the other, you can build your retirement funds as well. This is a win-win situation allowing you to spend an easy life of comfort even after your retirement.
Keywords: How to use Life Insurance to build a Retirement Income,retirement income using life insurance,permanent life insurance, tax benefits of life insurance
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