Physician’s Life Income Plan™

Solving the Retirement Income Gap
The Physician’s Life Income Plan™ helps address the gap between the income you want in retirement and what can be accumulated in traditional retirement plans.
Asset Protection
Unlimited Contributions
Tax-Deferred Growth
Easy Access
Unlimited Contributions
Most retirement savings plans have limits on how much you can contribute each year, making it difficult for high-income earners like physicians to save enough for retirement. The Physician’s Life Income Plan™ doesn’t have those same limits, allowing you to accumulate more assets quickly.


Tax-Deferred Growth
One of the most powerful tools to grow your assets for retirement is tax-deferred growth. This allows your assets to grow more quickly using the power of compound growth, without the burden of taxation on gains from year to year. Assets in the Physician’s Life Income Plan™ aren’t taxed as they grow, even when you make changes to your investment selections.
Asset Protection
The Physician’s Life Income Plan™ uses a variable universal life insurance policy as the financial vehicle to accumulate assets on a tax-deferred basis. Cash values in life insurance contracts are protected from creditors in many states; meaning your retirement assets could be protected from a lawsuit or other liabilities. Asset protection rules vary from state to state, so speak with an advisor for more information.


Easy Access
The Physician’s Life Income Plan™ allows you to access your account values at any time, without age restrictions like you have in your traditional retirement plans. And following certain guidelines, the distributions can even be tax-free – speak to an advisor to learn more.