Insurance Based Retirement Plans

Help Yourself and Your Employees Save More Money for Retirement

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Retaining quality employees means supporting them beyond their day-to-day work; it means helping them care for their health, their families, and their future. A strong benefits package that includes medical, dental, life insurance, and disability coverage can make all the difference.

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But have you considered the long-term power of life insurance as a retirement tool?

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With the right policy, your employees can:
 

• Protect their families with essential life insurance coverage

• Build supplemental retirement income through cash value growth

• Plan for a secure financial future beyond traditional retirement plans

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When you offer an insurance-based retirement policy, you're giving your employees more than just a benefit, you're giving them the power to save more, plan ahead, and enjoy a more secure retirement.

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Here at Eternity, we understand the impact a well-rounded employee benefits package can have on both your team and your business. Our experienced agents will guide you through a range of options designed to:
 

• Supplement traditional retirement plans

• Provide life insurance protection

• Build long-term financial security

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Let us help you offer a benefits solution that supports your employees today and prepares them for tomorrow. With the right plan, your team can approach the future with confidence.

 

Insurance Based Retirement Plan Benefits for Your Employees

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With so many retirement savings options available, it can be difficult to know which path to take. Insurance-based retirement plans offer a powerful combination of life insurance protection and long-term savings advantages. Here are just a few of the benefits your employees can enjoy:
 

• Death Benefits
  In the unfortunate event of death, this benefit provides life insurance protection for designated beneficiaries  often tax-free, offering peace of mind for families.

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• Generous Contribution Limits
  Unlike traditional retirement accounts that cap how much can be saved annually, insurance-based plans allow for flexible or even unlimited contributions, depending on the policy.

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• Tax-Free Income Access
  Employees can tap into their policy’s cash value through loans or partial withdrawals, offering tax-advantaged income when they need it most  during retirement or financial emergencies.

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• Employee-Owned Control
  Each employee owns their policy, giving them the freedom to:
   

  • Choose and change beneficiaries

  • Access built-up cash value

  • Manage investment options (if applicable)

  • Tailor the plan to their personal needs
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Insurance Based Retirement Plan Benefits for Employers
 

The benefits of insurance-based retirement plans extend beyond your employees — they can also provide meaningful advantages for your business. Here's how:

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No Conflict with Existing Retirement Plans

Already offer a 401(k) or other qualified retirement options? No problem. An insurance-based plan works alongside your existing benefits without impacting them.

 

No Formal Plan Setup Required

Avoid the time and hassle of setting up a formal retirement plan. Insurance-based retirement benefits can be structured informally, making them easier to implement as a group benefit.

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No Additional Administration or Bookkeeping

We understand that managing a business comes with countless administrative responsibilities. With this plan, there’s no need for you to handle ongoing paperwork or bookkeeping — our team takes care of it all.

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No Employer Contributions Required

Many retirement programs require employer matching or contributions. With this solution, there are no out-of-pocket expenses for you. It’s a powerful way to support your employees’ futures — without increasing your payroll costs.

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Partner with a Trusted Insurance-Based Retirement Plan Agency

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We specialize in helping business owners offer affordable, customizable retirement plans that align with their goals and budget. We work with a variety of top-rated insurance carriers to deliver the best options available.

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Whether you're a small business or a growing enterprise, we’ll design a personalized insurance-based retirement plan that fits your workforce and your business objectives.

 

Call us at 601.371.9911 or request a consultation online to learn more.