LIRP: A Safety Net In a Volatile Market

Posted on

As the market is continuously fluctuating week to week, or even day-to-day, it proves difficult to predict where we’re heading. Some individuals analyzing the market feel as if we are heading into another recession. With an economic downturn at risk, investing in products that offer consistency and permanence, especially during trying times — Like Life Insurance Retirement Plans (LIRP) — may be beneficial. With LIRPs, you can reap the benefits of tax-free growth without the drawbacks of a labile market.

Watch this previous episode of our podcast about LIRPs’ shielding benefits, and continue reading to learn more.

We’re all familiar with the investment mantra of “buy low, sell high.” But, when we’re subject to such a high degree of volatility, it’s challenging to determine if we’re steadily climbing to a higher-tier or sinking to the lowest rung. With a LIRP, you don’t have to worry about whether or not the market is low or high. This option offers you stability and sovereignty in times of tribulation and uncertainty. Let’s explore how:

A Comprehensive Life (Insurance) Vest

With LIRP, the account value locks in at 85% of the S&P 500 gains. This means that in the event the S&P declines, you won’t lose anything. Accounting for volatility, we believe this is the optimal choice, as your gains are significantly higher than a bank account or Certificate of Deposit (CD) at a one-year rate.

For one thing, life insurance policies don’t just offer death benefit protection anymore. Instead, by taking advantage of the benefits that permanent life insurance can offer, a tax-free life insurance retirement plan can provide supplemental retirement income, as well as the following:

  • No income limitations
  • No contribution limits
  • Immunity to the stock market

Contact Secure Retirement Strategies Today!

Our company offers strategic financial planning services to residents throughout the following Pennsylvania and New Jersey areas:

  • Chester County, PA
  • Lehigh County, PA
  • Northampton County, PA
  • Bucks County, PA
  • Mercer County, NJ
  • Hunterdon County, NJ

To learn more about a LIRP that works best for you, we encourage you to contact a member of our team.