The earlier you start a LIRP, the more tax-free income you'll have in retirement. Free analysis today.
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Most requested strategy in 2026 — rated 4.8/5

Create a Tax-Free Paycheck for Retirement

No contribution limits. No required minimum distributions. No 1099. The LIRP strategy turns your IUL into a tax-free income engine for retirement.

No Cap
Annual contributions
0%
Tax on policy loans
Lifetime
Income potential
No RMDs
Required distributions
  • No IRS contribution limits — unlike 401(k) or Roth IRA
  • Tax-free income via policy loans — no 1099 issued
  • No required minimum distributions at age 73
  • Reduces Social Security taxation in retirement

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Why the Retirement Income IUL Works

Tax-Free Income via Policy Loans

Access your cash value in retirement via policy loans — no income tax, no 1099, no impact on Social Security taxation.

No IRS Contribution Limits

Unlike a 401(k) ($23,500 limit) or Roth IRA ($7,000 limit), an IUL has no IRS cap. Fund it as aggressively as you want.

No Required Minimum Distributions

IRAs and 401(k)s force withdrawals at 73. Your IUL has no RMDs — your money grows on your timeline.

Downside Protection

A guaranteed 0% floor means your retirement nest egg is never exposed to market losses.

"I maxed out my 401(k) for 20 years and was still worried about taxes in retirement. My LIRP generates $8,400/month tax-free. I wished I had started 10 years earlier."

— Patricia H., Retired Teacher, Phoenix AZ

Common Questions

Is there a minimum income requirement?
There is no minimum income requirement, but IUL policies are most effective for people earning $50,000+ annually who want to build supplemental tax-free wealth beyond their employer benefits.
How is this different from a 401(k) or Roth IRA?
A 401(k) and Roth IRA have annual IRS contribution limits ($23,500 and $7,000 in 2026). An IUL has no IRS contribution limits, provides a death benefit, includes living benefits, and allows tax-free access via policy loans.
What happens if the market crashes?
Your cash value has a 0% floor — meaning even if the index drops 40%, your cash value does not decrease. You simply earn 0% for that year rather than losing money.
How long does it take to get a quote?
A licensed advisor will contact you within 24 hours to prepare a personalized illustration. There is no cost and no obligation.

Ready to See Your Numbers?

A licensed advisor will prepare a personalized IUL illustration — at no cost, with no obligation.

This website is operated by licensed life insurance professionals. IUL policies are life insurance products — not securities or investment products. Policy performance depends on the index selected, cap rates, participation rates, and policy expenses. Past index performance does not guarantee future results. Tax-free access to cash value is achieved via policy loans, which accrue interest and reduce the death benefit if not repaid. Consult a licensed advisor and tax professional before making any financial decisions.

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