Retirement planning is about more than saving—it’s about creating reliable, tax-efficient income that lasts. For individuals preparing for retirement in Denver and Scottsdale, permanent life insurance can be a valuable and often overlooked tool.
Certain life insurance policies offer tax-deferred growth and may allow access to cash value through policy loans without triggering taxable income. This flexibility can help retirees supplement income, manage tax brackets, and reduce reliance on market-based withdrawals during periods of volatility.
By coordinating life insurance with traditional retirement vehicles such as IRAs, 401(k)s, and brokerage accounts, retirees can create a more resilient income strategy. The result is greater control, reduced tax exposure, and confidence that retirement income will support both lifestyle and legacy goals.
