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F.A.Q. #2 - How Exactly Does Indexed Life Insurance Work For Retirement Income?

  • Writer: David H. Kinder, RFC®, ChFC®, CLU®
    David H. Kinder, RFC®, ChFC®, CLU®
  • Jun 28, 2019
  • 1 min read

Updated: Oct 13, 2025


I recently came across this video presentation done by my LinkedIn contact Louis LaBash. Louis is selling a software service to other insurance agents and financial advisors to help them to promote the benefits of Indexed Life Insurance to their clients for generating retirement income.

And as I watched this, I LOVED it!

What you'll learn is how cash value life insurance, when properly structured, can generate SUPERIOR retirement income cash flow compared to other ways of retirement savings and distributing that cash flow. Now, a few disclaimers and disclosures:

- This video was not intended for non-professional use.

- In the later part of the video, Louis will talk about his software services for agents to illustrate these concepts. That, of course, is for professional use.

- Therefore, it may not have all the required compliance disclaimers and disclosures.

- This video is outlining one particular policy, but the concept can be applied to any competitive policy.

- Of course, the assumptions will vary and policy performance may be predicated based on current interest rate assumptions, insured's underwriting, and other factors. I do believe that Louis was reasonably conservative with all his assumptions.

- Seek professional advice before implementing anything you learn in this concept video.

- Look both ways before crossing the street. :)



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The material discussed on this website is provided for general illustration and informational purposes only and should not be construed as legal, tax, or securities investment advice, nor does it represent a recommendation of any specific company or product.

 

David H. Kinder, RFC®, ChFC®, CLU® is not registered nor licensed as a Registered Investment Advisory Firm (RIA), Investment Adviser Representative (IAR), or Registered Representative (RR) with any broker/dealer firm, and is therefore not registered with nor supervised by the U.S. Securities and Exchange Commission, the Financial Industry Regulatory Authority, or any state securities regulatory authority.

 

Accordingly, David H. Kinder, RFC®, ChFC®, CLU® does not provide securities investment advice, including but not limited to recommendations regarding the buying, selling, or holding of securities; securities risk analysis; or the asset allocation of securities portfolios. For advice regarding securities investments, clients should consult a properly licensed and registered investment professional licensed to do business in their state.

 

Educational & Non-Securities Financial Information

David H. Kinder, RFC®, ChFC®, CLU® does provide general financial and investment-related information for educational purposes only and may propose alternative financial strategies that do not involve securities. Discussion of account types (including IRS-regulated retirement plans) is considered incidental to broader planning concepts and does not constitute advice regarding the underlying securities held within such accounts.

 

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Any discussion of tax matters is provided for general informational and educational purposes only and is incidental to broader financial planning concepts. David H. Kinder, RFC®, ChFC®, CLU® does not provide tax preparation, tax filing, or formal tax advice and does not prepare or file tax returns.

 

Clients should consult a licensed CPA, Enrolled Agent, or tax attorney regarding their specific tax situation. While prudent planning includes identifying potential tax implications, the responsibility for reporting, integrating, or reflecting such matters on any tax return rests solely with the client and their licensed tax professional.

For legal or tax services, please consult a licensed professional in your state. Information is derived from sources believed to be reliable; however, individual circumstances vary, and no information should be relied upon without individualized professional coordination.

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David H. Kinder, RFC®, ChFC®, CLU® is a licensed life, accident, and health insurance agent in California (CA Insurance License #0E54187) and may be licensed to conduct business in other states, where appropriate.

 

David Kinder Insurance and Financial Wealth Solutions is the marketing name for David H. Kinder, RFC®, ChFC®, CLU® and is not affiliated with any other company.

 

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Certain services or recommendations—whether provided within a fee-based consulting engagement or outside of one—may involve the implementation of products or solutions offered by unaffiliated third-party providers. In such cases, compensation may be received through consulting fees paid by the client, commissions paid by third-party product providers, or a combination thereof.

 

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Insurance and annuity product guarantees are backed solely by the financial strength and claims-paying ability of the issuing company. Guarantees do not apply to the performance of any index option within a fixed indexed insurance contract or to projected dividends of participating insurance policies.

 

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