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.
Complimentary & no obligation
Is a TFRA Right for You?
This strategy is not for everyone. If you meet several of the criteria above, a personalized review can help determine whether a TFRA strategy is an appropriate component of your retirement income plan. Important Information: TFRA is a marketing term for a strategy using permanent life insurance, not a separate retirement account or IRS-qualified retirement plan. Policy values are subject to insurance charges, fees, and possible surrender charges. Index-linked crediting does not guarantee positive cash-value growth. Withdrawals and policy loans may reduce cash values and death benefits, increase lapse risk, and result in taxes under certain circumstances. Favorable tax treatment depends on applicable tax law and policy design, including whether the policy is classified as a Modified Endowment Contract (MEC).