Access to Cash in Retirement

Jack Nachtrab

According to a recent survey, 36% of retirees say they’re unable to spend as freely as expected, and 60% say they travel less than they want to.

Retirement is something everyone looks forward to, but not something everyone plans for. An important part of retirement is having access to cash while maintaining a stable and well-allocated base of assets.

When discussing a life insurance policy to provide a death benefit, it’s also important to have pre-retirement clients look at policies that grow and maintain cash value. Clients who diversify their investments using permanent life insurance will have more flexibility in their retirement cash flow.  Cash can be taken from life insurance during down periods in the market, helping preserve other investments for when markets rebound.  Cash value from life insurance can also generally be withdrawn tax-free, reducing income taxes during retirement.

There are many different types of policies with cash growth, give the experts at Wholehan Marketing a call to discuss which option is the best fit for your clients.

Recent Posts

Life Insurance for Longevity

Jack Nachtrab Life Insurance Consultant As we approach the end of 2025, recent studies highlight that Americans are living longer than ever. Average US life expectancy now sits at a projected 79.4 years. Although retirees need to plan to live longer, many remain...

The Power of Staying Independent

“Built for Advisors, Not Investors.” Jessica Hernandez EVP-Wholehan Marketing In an era where large, private-equity-backed FMOs dominate the headlines, it’s easy to think scale equals strength. But ask most advisors, and you’ll hear a different story: independence is...

When Does It Make Sense to Roll Your Client’s 401(k) into an Annuity?

David Bollinger Annuity Sales Consultant As financial advisors, our goal is to help clients transition from wealth accumulation to income generation with confidence and clarity. One option that can support this goal is rolling over part or all of a 401(k) into a fixed...

Selling Dollars for Pennies

President, Wholehan Marketing I recently came across the article in the link below and thought how appropriate for Life Insurance Awareness Month.  My father was recruited into the insurance industry in 1975 by insurance icons John F. Savage and his partner at the...

Fed Rate Cut Signals Turning Point for Annuity Rates

Jacob Noble - Annuity Sales Consultant On September 17th, 2025, the Federal Reserve voted to lower the federal funds rate by 25 basis points, bringing the target range down to 4.00%-4.25%. This marked the Fed’s first rate cut of the year, citing a cooling labor...