![concept-piece-download-70088-life-insurance-retirement-planning](https://cdn.ashbrokerage.com/uploads/_960x600_crop_center-center_none/concept-piece-download-70088-life-insurance-retirement-planning.png)
Many high-net-worth individuals have maxed out their qualified plan contributions, leaving a shortfall compared retirement income needs. Using after-tax dollars to fund a tax-efficient life insurance policy can mimic the funding and structure of a Roth and grow cash value tax-deferred.