7702 Tax Strategies

Why We Specialize in 7702 Strategies

We don’t just sell insurance, we engineer long-term, tax-efficient wealth plans using the best of what the tax code allows. 401(k)s and IRAs may defer taxes, but they don’t eliminate them. Our strategies are built for clients who want to:

• Legally eliminate taxes on retirement income
• Remove market downside risk
• Gain financial control and liquidity
• Create multigenerational wealth

Section 7702 outlines how life insurance policies are taxed. When properly structured, a permanent life policy—like an IUL—not only provides a tax-free death benefit but also allows for tax-deferred growth and tax-free access to cash through policy loans and withdrawals.

This is not a loophole—it's a powerful part of the U.S. tax code that allows you to:

• Grow money safely and tax-deferred
• Access funds tax-free during your lifetime
• Avoid the volatility and taxes of traditional investment vehicles
• Transfer wealth income-tax free to your heirs

With an IUL structured under 7702 guidelines, your policy becomes your personal financial reservoir. Borrow against the cash value of your policy—without triggering taxes and without needing loan approval. Meanwhile, your full policy value continues to grow, tax free, as if you never touched it. This is the foundation of the "Be Your Own Bank" strategy.

You stay in full control. Unlike traditional retirement accounts, you own the policy, you set the terms, and you decide when and how to access your funds—with no penalties or government restrictions. Even if you are not insurable due to age or health, you can still take advantage of this strategy by using the insurable interest of your children or grandchildren, while you maintain ownership and control of the policy and its benefits.