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During the “Golden Years” most Americans dream of retirement, times of leisure, family, friends and travel. Unfortunately for many Americans the reality of rising health care costs, longer life expectancy, inflation and taxes make this dream difficult to achieve. The result for many can be devastating. Pension Maximization is a retirement strategy which involves a specially constructed life insurance policy that seeks to provide similar, and potentially greater and more flexible, survivor benefits at the death of the retiree.

 

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Income Tax-Free Death Benefit
May provide a greater net after tax survivor income than the pension survivor option

Beneficiary Options
If spouse predeceases retiree, another beneficiary can be named

Potential For Supplemental Retirement Income
Access policy values through policy loans and withdrawals

Access to Death Benefit in the Event of Illness
Death Benefit can be accelerated in the event of Chronic, Terminal

This Strategy offers the following:
• The potential for higher lifetime income for retiree from pension assets
• Retiree may take additional retirement income from policy cash value through policy loans and withdrawals
• Survivor benefits for your spouse or another named beneficiary
• Access to death benefit in the event of a chronic, terminal or critical illness.