Given that this old thread has been bumped, it might be a good time to note that my earlier comment is somewhat analogous to Roth conversions but for whole life insurance. The idea is to realize taxable gains during low tax years in early retirement. That does not make it a good retirement strategy per se, but it is a good way to dispose of an existing permanent life policy in a tax efficient manner.
Statistics: Posted by Harmanic — Sat Nov 08, 2025 9:53 pm — Replies 23 — Views 2328