Life Insurance
Retirement Planning

From Benefit Brokerage Services


For over 20 years, Benefit Brokerage Services has served as a General Agency empowering brokers with our vast experience in the Employee Benefit industry.

Benefit Brokerage continues to improve and develop progressive new products to support our valued brokers and their clients with our latest innovation.


LIRP: Life Insurance Retirement Planning

What Is A Life Insurance Retirement Plan (LIRP)?

  • Accumulation & Distribution Tool
  • No Income Limits - Not A Function Of Income
  • No Contribution Limits - It's A Function Of Asset Base
  • No 1099s To File - You Don't Have To Tell IRS
  • Multiple Growth Strategies - Equities Or Guaranteed
  • Tax Free Retirement Income - The Best Way!!!
  • Long Term Care Coverage - If Disabled Or Major Illness
  • No Legislative Risk - Will Be Grandfathered


How Do You Get This Program?

  • Contribute from your own bank account
  •  Use other people's money – "OPM" - Danny Devito, 1991 movie

    "Business... that's easily defined – it's other people's money"
    ~ Peter Ferdinand Drucker

  • A bank loans you money to fund the program
    • No Money Down
    • No Principal payments
    • No Interest payments
    • No payments!!!
    • For 50% financed: you must earn $100,000 per year
    • For 100% financed: you must have $10 million in assets
  • Must be healthy!


What Are The Many Uses Of A LIRP?

  • Creating a self-completing retirement plan
  • Avoiding the threat of higher income taxes in the future
  • Addressing estate tax issues at death
  • Guaranteeing what you want to happen financially will happen whether you are here or not
  • Paying for college education
  • Become your own bank
  • Addressing long term care needs later in life
  • Creating a tax-free income stream at retirement


The Numbers


$5,000,000 Policy:

LIRP chart



Files For Download:




Benefit Brokerage Services
40485 Encyclopedia Circle
Fremont, CA 94538
Tel: (888) 779-9160
Fax: (510) 226-8895

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