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Learning Center Experience
By Crystal Gifford,
Full-Time Faculty Published March 2014
Traditionally in financial
planning, families are urged to have the proper amount of life insurance—usually
determined by a formula specific to that family, but a quick analysis usually
suggests about ten times the annual income of the household. Planners would sit
down with families and have that “tough” conversation about what would happen
if the breadwinner(s) died and help them be sure the family is protected in
such a case. Current financial planning, however, uses life insurance in a
whole new way. Given IRS laws regarding income, and the treatment of
“temporary” withdrawals from life insurance as loans rather than income, a
whole new area of planning has evolved. This new planning era encourages
families to actually save using life insurance as one of the primary mechanisms
The process of saving using
life insurance can be arranged in various ways, but the most popular among
financial advisors, and that suggested by Kelly (2007) is to use a product
called “Indexed Universal Life” policies. These policies allow the buyer of the
product to put in extra money beyond that of the cost of life insurance in
order to build up a savings, in the same basic method that original whole life
policies did traditionally. O’Donnell (2013) calls this “massively
overfund(ing)” the policy. The difference is that the life insurance is
purchased at a minimum amount that still allows the level of savings needed by
the family. At any given time, the product allows the investor to take
advantage of upswings in the market, with a cap at some percentage—usually 15
percent—while at the same time protecting them from
downturns in the market, with a typical lower limit at 0 percent.
What is the benefit of these
policies? It is obvious the major advantage of this is avoiding any drops in
the market, so risk is greatly reduced. However, the real advantage comes when
it is time to begin using the cash value that has built up in the policy. Because
the IRS allows withdrawals from life insurance to be treated as loans from the
policy as long as the full balance is not depleted, regular withdrawals can be
scheduled so the family can have cash available on a monthly or annual basis to
create a sort of “retirement fund.” While the family is withdrawing funds, the
“loan” against the policy simply reduces the total benefit that would be paid
out at the time of death of the insured. A balance with a large cash value, for
instance, may be able to sustain the family through retirement years.
To be clear, the important
part about the loan-versus-income designation is that loans are not taxed by
the IRS, while income is. Therefore, a family can live on the funds from the
account and avoid paying taxes on that portion of their cash during the year. For
instance, consider two families in the same tax bracket (30% for this example).
The family withdrawing $75,000 during the year would have $75,000 in disposable
funds while the family earning $75,000 income during the same year would have
$52,500 in disposable income ($75000 – (75,000 × 30%). This can make an extreme difference when
trying to achieve and maintain a lifestyle during retirement. The difference of
$22,500 creates an obvious advantage to the family who planned what Kelly
(2007) calls a “Tax Free Retirement.”
Kelly, Patrick. (2007). “Tax
Free Retirement” ISBN 1425110827.
Internal Revenue Service.
(2014). Retrieved on 01/27/2014. www.irs.gov.
O’Donnell, Paul. (June 2013).
“How to Invest for a (Mostly) Tax-Free Retirement” CNBC Personal Finance. Retrieved
on 0127/2014 from http://www.cnbc.com/id/100828497.
Crystal Gifford is a full-time faculty member
at Kaplan University. The views expressed in this article are solely those of
the author and do not represent the view of Kaplan University.
By Cynthia Waddell, PhD, CPA, CFE
By Jerry Taylor
By Geoffrey Vanderpal
By Dr. Denise Schoenherr
By Stanley W. Self, CFE
By Rachel Byers, Full-Time Faculty, School of Business
Accounting firms are taking advantage of some emerging trends.
Change is the name of the game in wealth management!
Most people do not realize there are a variety of jobs in this field.
According to the BLS, employment of insurance sales agents is projected to grow.
Access definitions and FAQs related to accounting.
Access definitions and FAQs related to investments and wealth management.
Access definitions and FAQs related to real estate.
Access definitions and FAQs related to risk and insurance.
Kaplan Real Estate Education's Toby Schifsky looks at the factors to consider when pursuing a real estate career.
Toby Schifsky talks about the importance of goals and action steps for achieving them.
Access preparation and practice advise from Kaplan Financial Education experts Mary Orn and Julie Ramsey.
Maylee talks about her experiences with Kaplan Financial Education and preparing for her exams.
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