What Is A Life Insurance Retirement Plan? 
Cash Value life insurance can be used as a non-qualified supplemental retirement plan . There are four crediting methods to choose from : participating dividends , interest rate , indices and separate sub accounts using equities and bond investments . The design is critical to the expense loads . A TAMRA compliant non modified endowment contract using the lowest cost of insurance death benefit option can reduce the internal charges . As long as the contract is kept in force for the life of the policy insured , distributions can potential generate tax free income . 