Corporate Insured Retirement Plans
(CIRP)
A Corporate Insured Retirement Plan (CIRP) uses corporate life insurance to fund tax-sheltered growth and enable personal liquidity in retirement. This strategy allows you to maintain control while building long-term flexibility.
Tax Sheltered Growth
Build policy cash value that grows tax-deferred inside your corporation. Over time, this creates a pool of wealth that supports future liquidity while reducing annual taxable income.
Collateral Loan Access
Use the policy’s cash value as collateral for a loan to access retirement income tax-efficiently, keeping your corporation intact while supplementing your personal lifestyle.
Corporate Liquidity Preservation
Maintain working capital within your business while accessing liquidity personally. The structure ensures both corporate stability and financial independence during retirement.
Retirement Income Supplement
Use your CIRP as an additional source of income to complement savings and pensions. It helps balance security with flexibility for future lifestyle needs.
Estate Preservation
At death, the insurance proceeds repay any outstanding loan and deliver the balance tax-free to your estate, maintaining wealth continuity across generations.
Customized Funding Design
We tailor the contribution schedule, funding level, and plan structure to align with your cash flow, retirement goals, and comfort level to ensure an ideal long-term fit.