Universal Life Insurance
Is universal Life Insurance a smart tool for early retirement?
We have Universal Life ins policy. I was listening PRGM radio say that they are bad "investments." We want to retire early, so we need to have something more than the IRA and 401 K to have money to spend on 55. Our agent says it's the only way to "tax free" money until you reach 59 1 / 2. What do you think. I have to add who are not entitled to a Roth IRA – a small business owner.
Security is never a smart investment tool. Just because you are a small business owner does not disqualify a Roth IRA. Combined AGI over $ 150k would. You may want to look into other retirement accounts. Unskilled For example, the accounts can grow tax deferred and not always have the same age restrictions. Because his agent told him, get a new agent. Or does not include planning for retirement or do not have much cash right now and needs a commission check.
Universal Life Insurance – Thai Life Insurance
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