LIRP Insurance Explained: Your Guide for 2025

Planning for retirement in 2025 and beyond presents unique challenges. Market volatility, changing tax laws, and the desire for financial security require thoughtful strategies. While traditional options like 401(k)s and IRAs are foundational, many people seek supplemental approaches for tax diversification and flexible income streams. One such strategy gaining attention is the Life Insurance Retirement Plan, or LIRP.

But what exactly is LIRP insurance, and could it be a suitable addition to your financial plan? This comprehensive guide will explore the mechanics, benefits, drawbacks, and considerations surrounding LIRPs, helping you understand if this strategy aligns with your long-term goals.

Making informed decisions about complex financial tools like LIRPs requires careful analysis and personalized advice. At Insurance By Heroes, an independent insurance agency founded by a former first responder and military spouse, we understand the importance of thorough planning and reliable guidance. Our team, many with backgrounds in public service, specializes in navigating the complexities of insurance. Because we work with dozens of top-rated carriers, we can shop the market extensively to find the policy that truly fits your unique circumstances, rather than pushing a one-size-fits-all solution. Understanding LIRPs is the first step; finding the right policy structure with the right carrier is crucial for success, and that’s where expert, unbiased guidance becomes invaluable.

What is a LIRP (Life Insurance Retirement Plan)?

A Life Insurance Retirement Plan (LIRP) isn’t a specific type of insurance policy you can buy off the shelf. Instead, it’s a strategy that utilizes the cash value component of a permanent life insurance policy to build supplemental retirement income. The core idea is to structure a permanent life insurance policy (like Whole Life, Universal Life, or Indexed Universal Life) in a way that maximizes tax-advantaged cash value growth while still providing a death benefit.

Here’s the basic concept:

• You purchase a permanent life insurance policy.
• You pay premiums, often contributing more than the minimum required to cover the cost of insurance (this is sometimes called “overfunding,” within legal limits).
• A portion of your premium pays for the death benefit and policy fees, while the excess contribution goes into the policy’s cash value account.
• This cash value grows over time, typically on a tax-deferred basis.
• During retirement (or potentially earlier for other needs), you can access this accumulated cash value, often through tax-free policy loans or withdrawals (up to your cost basis).
• Upon your passing, your beneficiaries receive a death benefit, usually income tax-free, though any outstanding policy loans will typically reduce the final payout.

Essentially, a LIRP leverages the unique tax advantages offered to permanent life insurance policies to create a potential source of tax-free income in retirement, alongside the traditional protection aspect of life insurance.

How Does LIRP Insurance Work in Practice?

Understanding the mechanics of a LIRP requires looking at how permanent life insurance policies function and how they can be optimized for this strategy.

Premium Payments and Overfunding

With a LIRP strategy, the goal is often to pay the maximum allowable premium without causing the policy to become a Modified Endowment Contract (MEC). A MEC is a life insurance policy that has been funded too quickly (based on IRS limits), causing it to lose some of its favorable tax treatment, particularly regarding loans and withdrawals. Paying premiums up to the MEC limit, but not exceeding it, helps maximize the funds going towards cash value growth.

Cash Value Accumulation

The heart of the LIRP is the cash value component. How it grows depends on the type of permanent life insurance policy used:

• Whole Life: Offers guaranteed cash value growth plus potential dividends (which are not guaranteed).
• Universal Life (UL): Offers flexible premiums and death benefits, with cash value growth tied to current interest rates declared by the insurer (subject to a minimum guarantee).
• Indexed Universal Life (IUL): Links cash value growth potential to the performance of a market index (like the S&P 500), offering upside potential with downside protection (typically a 0% floor, meaning your cash value won’t decrease due to market losses, though policy costs and fees can still deplete value). Growth is often subject to caps (maximum return) and participation rates (percentage of index gain credited).
• Variable Universal Life (VUL): Allows policyholders to invest the cash value in sub-accounts similar to mutual funds, offering the highest growth potential but also market risk, as cash value can decrease due to poor investment performance.

The growth within the cash value account is tax-deferred, meaning you don’t pay taxes on the gains as they accumulate each year.

Accessing Funds in Retirement

The primary way to access funds from a LIRP in retirement without incurring taxes is through policy loans. You are essentially borrowing money from the insurance company, using your policy’s cash value as collateral. These loans are generally not considered taxable income, provided the policy remains in force and is not a MEC.

Alternatively, you can make withdrawals from the cash value. Withdrawals up to your “cost basis” (the total amount of premiums you’ve paid into the policy) are typically tax-free. Withdrawals exceeding your basis may be taxed as ordinary income.

It’s crucial to manage loans and withdrawals carefully. Unpaid loans accrue interest, and both loans and withdrawals reduce the available cash value and the final death benefit payable to beneficiaries.

Maintaining the Death Benefit

While the focus of a LIRP is often retirement income, the death benefit remains a key component. It provides financial protection for your loved ones. Proper LIRP planning ensures the policy doesn’t lapse due to excessive loans or withdrawals, which could have significant tax consequences and eliminate the death benefit.

The Importance of Policy Structure

Successfully implementing a LIRP strategy hinges on structuring the policy correctly from the outset. This involves balancing the death benefit amount with the premium payments to maximize cash value accumulation while staying below MEC limits. An improperly structured policy might grow cash value too slowly or inadvertently become a MEC, negating the intended tax benefits. This complexity underscores why working with knowledgeable professionals is essential. At Insurance By Heroes, we leverage our independence to analyze options from numerous carriers, ensuring the policy design aligns perfectly with your LIRP objectives.

Types of Life Insurance Commonly Used for LIRPs

As mentioned, LIRPs rely on permanent life insurance policies that build cash value. The specific type chosen can significantly impact the potential growth, guarantees, flexibility, and risk involved.

Whole Life Insurance

Whole Life is often considered the most conservative option for a LIRP. It provides guarantees that are appealing for long-term planning:

• Guaranteed Cash Value Growth: The policy’s cash value increases each year based on a contractually guaranteed rate.
• Guaranteed Death Benefit: The death benefit is guaranteed as long as premiums are paid.
• Guaranteed Premiums: Premiums are typically fixed and guaranteed not to increase.
• Potential Dividends: Mutual insurance companies may issue dividends to policyholders based on the company’s financial performance. While not guaranteed, dividends can significantly enhance cash value growth and can be used to buy paid-up additions (small amounts of additional death benefit that also have cash value) or reduce premiums.

Suitability for LIRP: Best for individuals seeking predictability, guarantees, and lower risk, even if it means potentially lower returns compared to indexed or variable policies.

Universal Life (UL) Insurance

Standard Universal Life offers more flexibility than Whole Life:

• Flexible Premiums: Policyholders can often adjust the amount and frequency of premium payments within certain limits, provided there’s enough cash value to cover policy costs.
• Adjustable Death Benefit: The death benefit can sometimes be increased (subject to underwriting) or decreased.
• Interest-Rate Sensitive Growth: Cash value grows based on current interest rates declared by the insurer, with a minimum guaranteed rate. Growth potential is moderate.

Suitability for LIRP: Suitable for those who need premium flexibility and are comfortable with growth tied to prevailing interest rates rather than market performance or guarantees beyond the minimum.

Indexed Universal Life (IUL) Insurance

IUL has become increasingly popular for LIRP strategies due to its unique growth potential mechanism:

• Growth Linked to Market Index: Cash value growth is tied to the performance of a chosen stock market index (e.g., S&P 500, Nasdaq 100), but without direct investment in the market.
• Downside Protection (Floors): Typically features a guaranteed “floor,” often 0%, meaning your credited interest won’t be negative due to market downturns (though policy costs still apply).
• Upside Potential (Caps/Participation Rates): Growth potential is usually limited by a “cap” (maximum interest rate credited) or a “participation rate” (percentage of the index gain credited). For example, if the index gains 10% and the cap is 8%, your cash value would be credited 8% (before fees).
• Flexibility: Offers premium and death benefit flexibility similar to traditional UL.

Suitability for LIRP: Appealing for those seeking higher growth potential than Whole Life or traditional UL, while still wanting protection from direct market losses. Understanding the specifics of caps, floors, participation rates, and crediting methods is crucial. Comparing IUL products across different carriers is vital, as these features vary significantly – a task perfectly suited for an independent agency like Insurance By Heroes.

Variable Universal Life (VUL) Insurance

VUL offers the highest potential for cash value growth but also carries the highest risk:

• Direct Market Investment: Cash value is invested in various “sub-accounts,” which are similar to mutual funds and directly exposed to market fluctuations.
• Potential for High Returns: Offers the possibility of significant gains if the chosen investments perform well.
• Market Risk: Cash value can decrease significantly, even below the premiums paid, due to poor investment performance.
• Flexibility: Offers premium and death benefit flexibility.

Suitability for LIRP: Best suited for financially sophisticated individuals with a high risk tolerance and a long time horizon, who understand market volatility and investment management. Due to the inherent risks, VUL requires careful consideration and ongoing monitoring.

Choosing the right type of policy is fundamental to a successful LIRP. Each option has distinct features, costs, and risk profiles. There is no single “best” policy; the ideal choice depends entirely on your individual financial situation, risk tolerance, and retirement goals. This is precisely why consulting with an independent agency like Insurance By Heroes is so advantageous. We don’t favor one company or product type; our mission is to analyze your needs and compare solutions from dozens of carriers to find the most suitable and competitive option for your LIRP strategy.

Potential Benefits of a LIRP Strategy (Updated for 2025)

When structured and used correctly, a LIRP can offer several compelling advantages, particularly in the current financial landscape:

• Tax-Deferred Cash Value Growth: Similar to traditional retirement accounts, the cash value within the life insurance policy grows without being taxed annually. This allows for potentially faster compounding compared to taxable accounts.
• Potentially Tax-Free Retirement Income: Accessing the cash value through properly structured policy loans is generally income tax-free. This can be a significant advantage compared to withdrawals from 401(k)s or traditional IRAs, which are typically taxed as ordinary income. Withdrawals up to the policy’s cost basis are also usually tax-free.
• Supplemental Retirement Funding: LIRPs can provide an additional source of income in retirement, diversifying your income streams beyond Social Security, pensions, and traditional retirement accounts.
• Flexibility in Accessing Funds: Unlike many retirement accounts that impose penalties for early withdrawals before age 59.5, cash value in a life insurance policy can often be accessed earlier via loans or withdrawals without penalty (though interest accrues on loans, and withdrawals impact cash value and death benefit). Surrender charges may apply in the early years of the policy.
• Life Insurance Death Benefit: The strategy includes a built-in death benefit, providing a lump sum, typically income tax-free, to beneficiaries upon your passing. This offers financial protection for your family or estate.
• No Contribution Limits (Beyond MEC): While 401(k)s and IRAs have strict annual contribution limits set by the IRS, LIRPs are primarily governed by MEC limits, which are based on the policy’s death benefit. This can allow high-income earners who have maxed out other retirement accounts to save significantly more on a tax-advantaged basis.
• Potential Creditor Protection: In many states, the cash value and death benefit of life insurance policies are protected from creditors’ claims. This varies significantly by state law, so consultation on this aspect is important.
• No Required Minimum Distributions (RMDs): Unlike traditional IRAs and 401(k)s, which generally require you to start taking taxable distributions at age 73 or 75, LIRPs do not have RMD requirements during your lifetime. This allows the cash value to continue growing tax-deferred if you don’t need the income immediately.
• Potential for Attractive Returns (IUL/VUL): Depending on the policy type chosen, there’s potential for cash value growth that may outpace traditional fixed-income investments, especially with IUL (market-linked potential with downside protection) or VUL (direct market participation).

Potential Drawbacks and Considerations for LIRPs

While the benefits can be attractive, LIRPs are not without potential downsides and complexities. It’s crucial to weigh these carefully:

• Costs and Fees: Permanent life insurance policies have inherent costs, including the cost of insurance (mortality charges), administrative fees, premium load fees, and potential surrender charges if the policy is cancelled early. VUL policies also have investment management fees. These costs can significantly impact the net growth of the cash value, especially in the early years. Policy illustrations project future values, but actual costs can vary.
• Complexity: LIRPs are more complex than simply contributing to an IRA or buying term life insurance. Understanding the policy mechanics, tax rules (especially MEC limits), loan provisions, and fee structures requires careful study or professional guidance.
• Long-Term Commitment: A LIRP is a long-term strategy requiring consistent premium payments, often for decades, to achieve the desired cash value accumulation. Lapsing the policy early can result in surrender charges and potentially unfavorable tax consequences if loans exceed the basis.
• Surrender Charges: Most permanent life insurance policies have surrender charges that apply if you cancel the policy or withdraw significant amounts of cash value within the first 10-15 years (or longer). This reduces liquidity in the early policy years.
• MEC Risk: Overfunding the policy beyond IRS limits turns it into a Modified Endowment Contract (MEC). If a policy becomes a MEC, loans and withdrawals are taxed less favorably (LIFO – Last-In, First-Out, meaning gains are taxed first) and may be subject to a 10% penalty if taken before age 59.5. Avoiding MEC status requires careful premium planning and monitoring.
• Growth Is Not Always Guaranteed (IUL/VUL): While Whole Life offers guarantees, the growth in IUL and VUL policies is variable. IUL returns are subject to caps, participation rates, and index performance. VUL returns depend directly on the performance of underlying investments and can experience losses. Policy illustrations often show hypothetical scenarios; actual performance may differ.
• Policy Loan Interest: While policy loans are generally tax-free, they accrue interest. If this interest isn’t paid, it’s added to the loan balance, further reducing the available cash value and death benefit. Unpaid loans can eventually cause a policy to lapse if the loan balance exceeds the cash value.
• Requires Medical Underwriting: To implement a LIRP, you must first qualify for life insurance based on your health and financial situation. Health issues could result in higher premiums or denial of coverage.
• Opportunity Cost: The premiums paid into a LIRP could potentially be invested elsewhere. Whether the LIRP provides a superior risk-adjusted return compared to alternative investments depends on individual circumstances, policy performance, and fees.

Navigating these potential pitfalls requires careful planning and objective advice. The complexities highlight why simply buying a policy advertised for LIRP purposes isn’t enough. Insurance By Heroes, with its commitment to client education and access to a wide range of carriers, helps ensure you understand these risks and select a policy structure designed to mitigate them effectively, based on comparisons across the market.

LIRP vs. Traditional Retirement Accounts (401(k), IRA)

How does a LIRP stack up against more traditional retirement savings vehicles like 401(k)s and Roth IRAs? It’s less about which is “better” and more about how they differ and potentially complement each other.

Key Differences:

• Primary Purpose:
  • LIRP: Dual purpose – life insurance protection + tax-advantaged cash value accumulation for potential retirement income.
  • 401(k)/IRA: Sole purpose – retirement savings.
• Tax Treatment (Contributions):
  • LIRP: Premiums paid with after-tax dollars (no upfront deduction).
  • Traditional 401(k)/IRA: Contributions may be tax-deductible (pre-tax).
  • Roth 401(k)/IRA: Contributions made with after-tax dollars.
• Tax Treatment (Growth):
  • LIRP: Tax-deferred.
  • Traditional 401(k)/IRA: Tax-deferred.
  • Roth 401(k)/IRA: Tax-free.
• Tax Treatment (Withdrawals/Loans in Retirement):
  • LIRP: Properly structured loans are generally tax-free. Withdrawals up to basis are tax-free; gains withdrawn are taxed.
  • Traditional 401(k)/IRA: Withdrawals taxed as ordinary income.
  • Roth 401(k)/IRA: Qualified withdrawals are tax-free.
• Contribution Limits (2024 example):
  • LIRP: No IRS limit, but constrained by MEC rules based on death benefit. Can often accommodate much larger contributions than qualified plans.
  • 401(k): $23,000 ($30,500 if age 50+).
  • IRA: $7,000 ($8,000 if age 50+).
• Access Before Age 59.5:
  • LIRP: Access via loans or withdrawals (subject to policy terms, potential surrender charges, loan interest).
  • 401(k)/IRA: Withdrawals generally subject to income tax + 10% penalty (exceptions apply). 401(k) loans may be available. Roth IRA contributions (not earnings) can be withdrawn tax/penalty-free anytime.
• Death Benefit:
  • LIRP: Includes an income tax-free death benefit (less outstanding loans).
  • 401(k)/IRA: Account balance passes to beneficiaries, potentially subject to income tax for non-Roth accounts.
• Costs & Complexity:
  • LIRP: Generally higher costs (insurance charges, fees) and more complex structure.
  • 401(k)/IRA: Typically lower fees (though variable) and simpler structure.
• Required Minimum Distributions (RMDs):
  • LIRP: No RMDs during the insured’s lifetime.
  • Traditional 401(k)/IRA: RMDs generally required starting at age 73/75.
  • Roth IRA: No lifetime RMDs for the original owner. Roth 401(k)s required RMDs pre-SECURE 2.0, but rules are evolving (check current regulations).

Complementary Roles

For most people, a LIRP should be considered a supplement to, not a replacement for, traditional retirement savings plans like 401(k)s and IRAs. Financial advisors often recommend maxing out contributions to tax-advantaged employer plans (especially to get any company match) and IRAs first, due to their lower costs and straightforward nature for pure retirement savings.

A LIRP strategy becomes more attractive once these other options are fully utilized, or for individuals seeking specific benefits like tax diversification of retirement income, substantial death benefit protection, or the ability to save larger amounts on a tax-advantaged basis than allowed in qualified plans. Determining if a LIRP fits into your overall financial picture requires a holistic view, something the experienced team at Insurance By Heroes can help provide by looking at your complete situation and comparing options across the insurance marketplace.

Who is a LIRP Strategy Suitable For?

A LIRP is not a universal solution. It tends to be most appropriate for specific types of individuals and financial situations:

• High-Income Earners: Individuals who consistently max out their 401(k) and IRA contributions and are looking for additional tax-advantaged ways to save for retirement. The higher funding capacity (up to MEC limits) is a key attraction.
• Those Seeking Tax Diversification: People who anticipate being in a high tax bracket during retirement and want a source of potentially tax-free income (via loans) to supplement taxable withdrawals from traditional accounts.
• Individuals Needing Significant Life Insurance: If you have a substantial need for a death benefit (e.g., income replacement for family, estate planning, business succession) and also want to save for retirement, a LIRP combines these goals.
• Long-Term Planners: LIRPs require a long time horizon (typically 15+ years) for the cash value to grow sufficiently and overcome initial policy costs and potential surrender charges. It’s not suitable for short-term savings goals.
• Business Owners: Can be used in buy-sell agreements, key person insurance, or as a supplemental executive retirement plan (SERP), offering tax advantages and protection.
• Those Comfortable with Complexity and Costs: Individuals who understand that permanent life insurance has costs and complexities beyond simple investment accounts, and who value the unique benefits enough to accept them.
• People Seeking Asset Protection: In many jurisdictions, life insurance cash value and death benefits receive favorable treatment regarding creditor protection, which can be appealing for asset preservation.

Conversely, a LIRP is generally not suitable for:

• Individuals with limited income or savings capacity.
• Those who do not have a long-term financial outlook.
• People primarily seeking the lowest-cost investment vehicle.
• Individuals who do not have a need for a life insurance death benefit.
• Those uncomfortable with the relative illiquidity in the early years due to surrender charges.

Determining suitability requires a personalized analysis. Because Insurance By Heroes is an independent agency, we have no bias towards recommending a LIRP if it isn’t appropriate. Our focus, rooted in a background of public service, is on finding the right solution for *you*, whether it’s a LIRP strategy using a policy from one of the dozens of carriers we represent, or another approach entirely.

Setting Up a LIRP: Key Steps and Considerations

If you’ve determined that a LIRP strategy might align with your goals, setting one up correctly is critical for its long-term success. This involves several key steps:

1. Define Clear Goals: What are you trying to achieve? Quantify your supplemental retirement income needs, establish your time horizon, and assess your risk tolerance. This will guide policy selection and design.
2. Determine Sustainable Funding Level: How much can you realistically and consistently contribute in premiums each year, potentially for decades? Remember, the strategy relies on substantial funding over the long term. Ensure payments fit comfortably within your budget.
3. Choose the Right Policy Type: Based on your risk tolerance and goals, select the most appropriate type of permanent life insurance – Whole Life for guarantees, UL for flexibility, IUL for balanced growth potential/protection, or VUL for maximum growth potential (with market risk).
4. Select the Right Insurance Carrier: This is crucial. Evaluate carriers based on:
   • Financial Strength Ratings: Look for high ratings from agencies like A.M. Best, S&P, Moody’s, indicating the insurer’s ability to meet long-term obligations.
   • Policy Features and Riders: Compare loan provisions, dividend history (for Whole Life), caps/floors/participation rates (for IUL), investment options (for VUL), and available riders (like long-term care or critical illness riders).
   • Illustration Credibility: Understand the assumptions used in policy illustrations (projected growth rates, fees, etc.). Be wary of overly optimistic projections. Compare illustrations from multiple carriers using consistent assumptions.
   • Costs and Fees: Analyze the internal costs of insurance, administrative charges, premium loads, and surrender charge schedules.

   This comparative analysis across multiple insurers is a core strength of working with an independent agency like Insurance By Heroes. We do the legwork to compare products from dozens of top carriers side-by-side.

5. Structure the Policy Correctly: Work with a knowledgeable agent to design the policy for maximum cash value accumulation relative to the death benefit, while meticulously staying within the non-MEC premium limits. This often involves choosing the lowest possible death benefit that still allows your desired premium contributions.
6. Undergo Underwriting: Complete the application process, which includes health questions and potentially a medical exam. Your health classification will impact the cost of insurance and your final premium. Be honest and thorough.
7. Fund the Policy Consistently: Make premium payments as planned to keep the strategy on track.
8. Monitor and Review Regularly: Periodically (at least annually) review policy performance against the initial illustration. Check cash value growth, loan balances (if any), and ensure the policy is meeting expectations and still aligns with your overall financial plan. Adjustments may be needed over time.

Setting up a LIRP is not a “set it and forget it” process. It requires careful initial design and ongoing attention.

Why Choose Insurance By Heroes for Your LIRP Strategy?

Navigating the complexities of LIRP insurance requires expertise, diligence, and a commitment to prioritizing the client’s best interests. At Insurance By Heroes, we bring a unique perspective and approach:

• Our Foundation in Service: Founded by a former first responder and military spouse, and staffed by professionals with similar backgrounds in public service, we deeply understand the values of trust, integrity, and long-term planning. We approach insurance planning with the same dedication we brought to serving our communities.
• The Independent Agency Advantage: We are not captive agents tied to a single insurance company. Insurance By Heroes proudly works with dozens of the nation’s top-rated insurance carriers. This independence allows us to objectively shop the market on your behalf, comparing policy features, costs, and illustrations to find the LIRP structure and carrier that genuinely offers the best potential value and fit for your specific needs.
• Expertise in Complex Strategies: LIRPs involve intricate details regarding policy design, tax implications (MEC rules), loan features, and performance projections. Our experienced team specializes in understanding these nuances and explaining them clearly, empowering you to make informed decisions.
• Personalized, Needs-Based Approach: We don’t believe in one-size-fits-all solutions. We take the time to understand your complete financial picture, your retirement goals, your risk tolerance, and your life insurance needs before recommending any strategy. If a LIRP isn’t the right fit, we’ll tell you.
• Commitment to Transparency and Education: Our goal is to build lasting relationships based on trust. We prioritize educating our clients, ensuring you understand the pros and cons, the costs involved, and how the recommended policy works, both now and in the future.

Choosing the right partner to help you explore and implement a LIRP strategy is as important as choosing the right policy. With Insurance By Heroes, you gain an ally dedicated to finding the optimal solution from a wide marketplace, guided by principles of service and integrity.

Is a LIRP Right for Your 2025 Retirement Plan?

A Life Insurance Retirement Plan (LIRP) can be a powerful strategy for supplementing retirement income on a potentially tax-free basis, while also providing valuable life insurance protection. It offers unique benefits like tax-deferred growth, tax-free access via loans, lack of contribution limits (beyond MEC rules), and no RMDs.

However, LIRPs are complex financial instruments with significant costs, long-term commitments, and potential risks if not structured or managed properly. They are best suited for specific individuals, typically high-income earners seeking tax diversification and additional savings avenues beyond traditional retirement accounts, who also have a long time horizon and a need for life insurance.

The key to a successful LIRP lies in careful planning, selecting the right type of policy (Whole Life, UL, IUL, VUL), choosing a financially strong carrier with competitive features, and structuring the policy for optimal cash value growth without becoming a MEC. This complexity underscores the critical need for expert, unbiased guidance.

Ready to explore if a LIRP strategy using cash value life insurance could enhance your retirement plan? Get personalized insights from experts who understand service and value. The team at Insurance By Heroes brings a unique perspective, founded on public service principles and empowered by independence. We shop the market across dozens of top carriers to tailor coverage specifically for you.

Take the next step towards securing your financial future. Fill out our quick quote form on this page now. Let the Insurance By Heroes team analyze your situation and compare personalized options from across the market to determine if a LIRP strategy is the right fit for your unique needs and goals. Get your no-obligation comparison today!