Is there an insurance product I can use to put away money for retirement?

A flexible-premium life insurance policy may be a good savings alternative, especially if you also need life insurance. If the funds you put into the policy are within certain Internal Revenue Service limits, you can access this money free of income tax with a combination of withdrawals and policy loans at your retirement. The interest earned by the policy will accumulate on a tax-deferred basis similar to an IRA. In addition, it will provide life insurance protection for your beneficiaries.

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