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How Can Life Insurance Help Manage Taxes in Retirement?

Taxes in retirement can impact your cash flow and lifestyle. They can be challenging to prepare for because the future of tax policy is always unknown.

The good news is that life insurance can help add stability and flexibility to your retirement strategy. In addition to providing a needed and valuable death benefit, life insurance can help you manage taxes while potentially creating a tax-free source of retirement income. This can help you diversify not just your assets but also your tax strategy.

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Is Your Retirement Income Rooted in Taxable Sources?

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Traditional sources of retirement income are usually  taxable

  • Social Security benefits
  • Pensions and employer-sponsored plans
  • Investments including traditional 401(k)s and IRAs, as well as stocks, bonds, and mutual funds held outside of tax-advantaged accounts

Only a few can provide tax-free income in retirement

  • ROTH IRA or 401(k)
  • Municipal bond dividends
  • Life insurance

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How Can Life Insurance Help
Reduce Taxes and Enhance Growth Potential?

It can help you prepare for retirement without adding to your tax liability.

Especially if you want to add:

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Stability

Gain the stability of life insurance protection for your family.

Opportunity

You can add life insurance even if you are maximizing your contributions to qualified plans.

Diversity

Life insurance helps diversify your tax strategy.

A potential source of income

Life insurance can add a potential source of income without adding to your tax obligations.

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Gain Control of Taxes During Retirement

Life insurance can help you gain more control of your taxes in retirement through its income tax-free death benefit, potential for tax-free cash value growth, and ability to tap into the cash value, also tax-free.

 

A variable universal life insurance policy is designed to provide a death benefit and offer the potential to grow cash value.

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Footnote

Life insurance is issued by The Prudential Insurance Company of America, Pruco Life Insurance Company (except in NY and/or NJ), and Pruco Life Insurance Company of New Jersey (in NY and/or NJ). Variable universal life insurance policies are offered through Pruco Securities, LLC (member SIPC). All are Prudential Financial companies located in Newark, NJ.

Our policies contain exclusions, limitations, reductions in benefits, and terms for keeping them in force. A financial professional can provide you with costs and complete details.

Please consider the investment objectives, risks, and charges and expenses carefully before investing in the contract and/ or underlying portfolios. The prospectus and, if available, the summary prospectus contain this, as well as other important information. You can obtain a copy of the prospectus here. You should read the prospectus carefully before investing.

It is possible to lose money by investing in securities.

For Compliance Use Only:1025944-00001-00

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