No contribution limits. No RMDs. No 1099. Just a lifetime stream of tax-free retirement income — the LIRP strategy.
Get a custom LIRP illustration showing your projected tax-free retirement income.
A Life Insurance Retirement Plan (LIRP) uses an IUL policy as the vehicle for tax-advantaged retirement savings. No IRS contribution limits. No income restrictions. Income taken in retirement is a policy loan — meaning no taxes, ever.
Unlike a 401(k) or IRA, there are no IRS caps on how much you can put into an IUL — ideal for high earners.
Withdraw retirement income via policy loans — no 1099 issued, no impact on Social Security taxation.
Your cash value grows based on index performance with a 0% floor, protecting against market downturns.
Properly structured, your policy can provide income for life — even if you live to 100 or beyond.
| Feature | LIRP (IUL) | 401(k) | Roth IRA |
|---|---|---|---|
| Contribution Limit | None | $23,500/yr | $7,000/yr |
| Income Restriction | None | None | Yes (MAGI) |
| Tax on Withdrawals | None* | Ordinary income | None |
| Required Distributions | None | Age 73 | None |
| Market Downside Risk | 0% floor | Full exposure | Full exposure |
| Death Benefit | Yes | No | No |
*Via policy loans. Policy must remain in force. Consult a licensed advisor.
No cost. No obligation. Licensed specialist contacts you within 24 hours.