Build Retirement Cash Flow with Index-Linked Growth Potential
Who Benefits Most from a TFRA Strategy?
A Tax-Free Retirement Account (TFRA) strategy uses properly structured, cash-value permanent life insurance, such as Indexed Universal Life (IUL), to help supplement retirement income through potential tax-advantaged distributions while providing life insurance protection.
This planning approach may be appropriate for individuals and families who:
Income Profile
- Own a business, professional practice, or income-producing assets—or have discretionary income available for long-term planning.
- Earn $100,000+ annually (single) or $185,000+ annually (married), as general planning guidelines rather than eligibility requirements.
- Have investable assets outside their primary residence.
- Want to diversify their sources of retirement income.
Tax & Stability
- Seek additional tax-advantaged retirement income options.
- Value long-term planning flexibility and life insurance protection.
- Seek index-linked growth potential with protection against negative index crediting.
- Understand the importance of proper policy funding and ongoing reviews.
Personalized Retirement & Protection Strategy Review
Is a TFRA Right for You?
A TFRA strategy is not suitable for everyone. A personalized review can help determine whether cash-value life insurance aligns with your retirement income objectives, financial circumstances, and long-term protection needs.
Schedule Your Strategy Session