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The Ernst & Young Insight:
Why Insurance Outperforms!
Key Findings from EY Research:
Tax Efficiency: The study highlights the compounding advantage of tax-deferred growth within insurance wrappers, often results in higher net wealth accumulation compared to taxable investment
accounts over 20+ year horizons.
The 30% Rule: EY’s modeling suggests that applying just $0.30 of every dollar of savings to permanent life insurance or deferred income annuities creates a “hybrid strategy” that outperforms an investment-only approach in generating sustainable retirement income.
Sequence of Returns Protection: Unlike volatile market portfolios, insurance products protect against “sequence of returns risk”—the danger of withdrawing funds during a market downturn early in retirement.
Guaranteed Floors: Permanent Life Insurance (PLI) and Fixed Index Annuities (FIAs) provide guaranteed minimum growth rates, ensuring that principal is never lost due to market crashes, a feature absent in
standard 401(k) or IRA accounts.
Term Insurance / Mortgage Protection
Term Life Insurance is the simplest form of life insurance. It provides coverage for a set period, such as 10, 20, or 30 years. If the policyholder passes away during this time, the beneficiaries receive a tax-free payment (the death benefit). If the term expires and the person is still alive, the coverage ends, and there is no cash value. Similar to Renting vs Buying a home.
Whole Life
Whole Life Insurance is a type of “permanent” insurance, meaning it covers the person for their entire life as long as premiums are paid. Unlike Term Life, it includes a cash value component. A portion of every premium payment goes into this cash account, which grows at a guaranteed rate set by the insurance company.
Index Universal Life
Growth Linked to the Market (Without the Risk)
Index Universal Life is a flexible permanent insurance policy. Its cash value growth is tied to a stock market index, like the S&P 500. However, it has a unique safety feature: a floor. If the market goes down, but the cash value does not lose money. If the market goes up, the policy earns interest up to a certain limit (the cap).
Annuities
An annuity is a contract with an insurance company designed to turn a lump sum of money into a guaranteed stream of income for life. You can choose to receive payments immediately or start them at a future date (deferred). Some annuities offer you a sizable bonus, as much as 30% immediately. Then take a pay out for a specific number of years, while others pay for the rest of your life.
Executive Summary
In an era of market volatility and uncertain interest rates, high-net-worth individuals and financial planners are increasingly turning to hybrid strategies that blend traditional investment vehicles with insurance-backed solutions. Recent analysis by Ernst & Young (EY) demonstrates that integrating permanent life insurance and annuities into a retirement plan significantly outperforms investment-only strategies. By allocating a portion of savings to these protected vehicles, investors can secure guaranteed income floors, tax-advantaged growth, and superior risk-adjusted returns over the long term.
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“Hello Rodney this is Donald, the reason for my call is to say as I’m doing some last minute planning for the time I’m going to be allowed to stay on this earth, the one thing that pops in my head is the life insurance you’ve provided me.
As I look at my coverage and see how easy it is to understand and how it takes care of all my needs.
You’re a magician when it comes to finding solutions.
You’ve taken that big worry out of my mind and it’s just wonderful for my family. I want to thank you and extend my deepest thanks for all the planning you did. You are great listener and you know your business well, Rodney thanks again.”
Donald M
CEO, Multi-Billion Dollar Company (retired)
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