No state income tax plus an IUL that grows tax-deferred and distributes tax-free. For Texas pre-retirees, that combination is hard to beat.
The gap nobody talks about
Texas has one of the best tax environments in the country. Pre-retirees who leverage that environment with the right insurance strategies can substantially improve their retirement income picture.
An IUL accumulates cash value indexed to the market with no downside below 0%. Policy loans taken against that cash value are tax-free. In Texas, where income goes furthest, that's a powerful combination.
Texas has no state estate tax, but the federal estate tax applies to estates above $13.6 million per individual in 2024. High-net-worth Texas families still need estate planning. Life insurance in a trust is the standard tool.
Texas nursing home costs average $5,500 per month in 2024. Texas-based assisted living runs $4,000 to $6,000 per month. Hybrid life-LTC policies protect against these costs while providing an estate benefit if LTC is never needed.
Former Oracle Principal Consultant. PhD researcher. Queens-based. I work with carriers across the full market — not captive to one company — so you get the right coverage at the right price.
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