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	<title>New answer on: Which Retirement Plan Is Managed By The Individual Policyholder?</title>

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		<title>By: David Pipes</title>

		<link>https://insurancelibrary.com/retirement-plans/which-retirement-plan-is-managed-by-the-individual-policyholder</link>

		<dc:creator>David Pipes</dc:creator>

		<pubDate>Fri, 22 Aug 2014 19:32:10 +0000</pubDate>

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		<description><![CDATA[The two basic types of retirement plans are qualified and non-qualified.  Qualified plans allow you to deduct the expense of the plan from current income tax.  You must pay tax on all distributions and can be subject to mandatory distributions and penalty taxes.  In non-qualified plans you can do pretty much as you please.  That is also true in qualified plans if you are the administrator.  You are in charge of an IRA.  There are limits to what investments can be placed in an IRA but it does have significant latitude. ]]></description>

		

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		<title>By: Steve Savant</title>

		<link>https://insurancelibrary.com/retirement-plans/which-retirement-plan-is-managed-by-the-individual-policyholder</link>

		<dc:creator>Steve Savant</dc:creator>

		<pubDate>Sat, 27 Jul 2013 13:27:56 +0000</pubDate>

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		<description><![CDATA[Non-qualified retirement plans that use life insurance are: current assumption universal life, indexed universal life (IUL) and variable universal life (VUL). All three allow the policy holder to manage the death benefit and premiums paid. The last two, the policy holder has policy management options that allow the selection or crediting methods such as domestic and foreign indices for IUL and separate sub accounts that use equities and bond investments (VUL).]]></description>

		

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