THE CHALLENGE: Wealth Accumulation The primary reason to purchase life insurance is to secure a death benefit for your heirs; however, certain types of policies are designed to both maximize cash accumulation and give the client investment options not found in traditional products. These two features allows these specially designed policies to accumulate very large sums of cash that will grow tax deferred and it’s cash value can be accessed on a tax–free basis. When premium payments stay within very specific IRS guidelines and the policy is designed correctly, life insurance can provide a significant secondary source of retirement income along with a death benefit. Life Insurance is the time -tested solution of leveraging assets into dollars needed to fund future obligations in a tax efficient manner. No other asset has the same tax advantaged protections from the Internal Revenue Code and compounds as effectively. You can use this to your advantage.