IPB 025: Life Insurance as a Retirement Tool Part 1



One of the biggest problems for most Americans is understanding how to convert the balance they have saved in retirement plans, brokerage accounts etc. into an income they can use during retirement.

The financial services industry has done a masterful job at training “advisors” to help their clients accumulate cash. But very few advisors take the time to understand how to help their clients generate income.

On the surface, it doesn't seem like that difficult a problem.

You have a pot of money. You have social security. You need (x) amount in addition to what you're getting from social security to support your lifestyle.

And all of that is true, it's not a complicated problem. However, the solution involves much more strategic thinking than most people are willing or able to offer.

There are any number of ways that you can address the retirement income problem. This two-part series will focus on how life insurance fits into your retirement income strategy.

If you're interested in reading and/or listening to some of our other musings on the subject, here's a good list to get you started:

How Much Do You REALLY Need to Generate Your Retirement Income

Retirement Income Taxes…Are You Really Ready to Write the Check?

The Retirement Income Conundrum

CNBC Thinks Life Insurance Works for Retirement Income

Why Life Insurance Works So Well for Retirement Income

Create Your Own Pension

And as always, if you'd like to discuss the particulars of your situation, please use our contact form to get in touch with us.

2 Responses to “IPB 025: Life Insurance as a Retirement Tool Part 1”

  1. Kevin W. says:

    You guys touched on the expenses associated to the Life Insurance and how they compare to the other investment tools available.

    Could you do a podcast elaborating the “researched” numbers comparison that was broadly talked about in this podcast? I understand your method is different from the vanilla type structured policy, but it was be even better if you can compare your structured policy’s expense to vanilla version policy’s expense to the common market based retirement account’s expense.

    • Brantley Whitley says:

      Hi Kevin,

      Your wish has been granted, stay tuned for episode 27 which will be released tomorrow morning.

      Thanks for submitting your question!

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