Preferred Retirement Solutions

Shaping Your Financial Legacy with Specialized Benefits

Your Personalized Path to Retirement

Step into the realm of financial prosperity with Specialized Benefits’ Preferred Retirement Solution. This isn’t just a retirement plan; it’s a crafted strategy designed around your unique goals and dreams. Your financial legacy deserves meticulous attention, and our solution is tailored to ensure your retirement years are a testament to a life well-lived.

Explore the possibilities, secure your future, and set the stage for a retirement that mirrors your aspirations. Choose Specialized Benefits to craft the blueprint for your ideal retirement journey, where financial security meets personalized dreams.

A woman walks outside in the sun, holding her cell phone.
An elderly man and woman with their arms around each other, outside with mountains in the distance.

Designing a Better Retirement with Preferred Retirement Solution

When traditional retirement savings fall short, this solution supplements your retirement income. Leverage the cash value in life insurance policies as collateral for a tax-free bank loan through the Preferred Retirement Solution. Unlike conventional loans, the repayment comes from the life insurance policy’s proceeds, offering an additional income stream during retirement. Channel funds from taxable investments into the life insurance policy to reduce current and future taxes, enjoying tax-advantaged growth within the policy.

Accelerate the policy’s overall value by making payments exceeding the required premium, enhancing the benefits for your retirement. Apply for a bank loan using the policy’s cash surrender value as collateral, providing a tax-free supplement to your retirement income. Upon passing, the life insurance proceeds settle the loan, with any remaining balance directed to your chosen beneficiary. Embrace a retirement that aligns with your dreams, backed by the financial flexibility of the Preferred Retirement Solution.

An elderly man and woman with their arms around each other, outside with mountains in the distance.

Frequently Asked Questions

What is the Preferred Retirement Solution?

The Preferred Retirement Solution is a unique financial strategy that allows you to supplement your retirement income by using the cash value of certain life insurance policies.

How does it work?

By redirecting funds from taxable investments to pay premiums for a permanent life insurance policy, you can access the policy’s cash value through a tax-free bank loan to enhance your retirement income.

What are the advantages of using this solution?

The strategy offers tax benefits by reducing current and future tax payments. Additionally, the funds within the insurance policy grow on a tax-advantaged basis, providing a valuable supplement to your retirement savings.

Can I apply for a bank loan using this solution?

Absolutely. You can use the cash surrender value of the policy as collateral to secure a bank loan, allowing you to enjoy supplemental tax-free dollars during your retirement.

How does the repayment of the bank loan work?

The debt is repaid using the proceeds from the life insurance policy. In the event of death, the life insurance proceeds pay off the loan, with the remaining balance going to your chosen beneficiary.

Is this solution suitable for everyone?

While it’s a powerful strategy, the suitability depends on individual financial goals and circumstances. Consulting with a financial advisor can help determine if the Preferred Retirement Solution aligns with your retirement plans.

Legacy-Building with
Loan Repayment Assurance

Tax-Efficient Growth

Redirect funds from taxable investments to a life insurance policy, reducing current and future tax payments and allowing the funds in the policy to grow on a tax-advantaged basis.

Estate Planning Benefits

The Preferred Retirement Solution offers a strategic approach to estate planning, allowing you to leave a lasting legacy while efficiently managing your financial assets.

Professional Guidance

Implementing this solution is a personalized journey. Seek the guidance of financial professionals to tailor the strategy to your unique retirement goals and financial circumstances.

Flexible Premium Payments

Enjoy flexibility in premium payments, with the option to accelerate the growth of the policy’s value by contributing payments above the required premium.

Supplemental Retirement Income

Access the cash value of your life insurance policy through a tax-free bank loan, providing a valuable source of supplemental income during your retirement years.

Loan Repayment With Policy Proceeds:

In the event of your passing, the life insurance proceeds pay off the bank loan, ensuring a balanced financial legacy for your loved ones.

Legacy-Building with Loan Repayment Assurance

Seize the opportunity for tax-efficient growth, optimizing your retirement savings and fostering a flourishing financial future.

Boost your retirement income through tax-free bank loans, ensuring a more robust and fulfilling retirement experience.

Craft a lasting financial legacy, leveraging the unique features to repay loans and secure a prosperous future for your beneficiaries.

Tailor premium payments according to your financial situation, ensuring a customized approach for sustainable growth.

Strategically plan your estate, ensuring efficient asset distribution to heirs and leaving a positive impact on the financial well-being of future generations.

Navigate your retirement journey with confidence, receiving personalized guidance that unlocks the full potential of your financial future.

See What Others Are Saying About Specialized Benefits


#15, 2016 Sherwood Drive, Sherwood Park, AB T8A 3X3

Contact Info

Phone: 780-416-7911

Hours of Operation

Monday: 9:00 am – 5:00 pm
Tuesday: 9:00 am – 5:00 pm
Wednesday: 9:00 am – 5:00 pm
Thursday: 9:00 am – 5:00 pm
Friday: 9:00 am – 5:00 pm
Saturday: Closed

Man and woman smiling with their arms out in a field. The sun is setting in the distance and a little girl sits on the man's shoulders