A LIRP uses the power of Indexed Universal Life Insurance (IUL) to build a tax-free retirement income stream. Unlike a 401(k) or IRA, your money grows linked to market indexes with downside protection — and you receive it in retirement completely tax-free.
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Owned by shareholders and publicly traded. May offer competitive products with strong indexes. Top LIRP stock carriers include: Allianz Life, Lincoln Financial, Pacific Life, North American, Nationwide, Transamerica, and F&G (Fidelity & Guaranty Life).
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The best LIRP features include: high cash value accumulation, low internal costs, strong cap rates on indexes, flexible premium design, loan provisions for tax-free income, and long-term carrier financial strength (A+ rating preferred).
Index Locking is a premium feature available in select IUL carriers that allows you to lock in your index gains mid-year rather than waiting until your policy anniversary. This means you capture market upswings and protect against downturns more precisely. Currently, only two carriers offer this feature: North American Company for Life and Health and Nationwide Life Insurance Company.
Available exclusively through North American Company and Nationwide Life.
Discover how a LIRP can help you create a tax-free income stream in retirement. Book a free consultation today.