Episode
How To Use Defined Benefit Plans To Write-Off Life Insurance Premiums
- Published
- Apr 15, 2026
- Duration seconds
- 4704
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Summary
I sit down with top planning expert, Rohit Punyani, to break down how Defined Benefit (DB) plans can be used as a powerful tax strategy for business owners and how they can potentially write off 6 to 7+ figure life insurance premiums. In this masterclass, we cover how DB plans (under 401a) work, who they’re best for, and why they allow for significantly larger deductions than traditional 401(k)s. We also dive into the advanced strategy of integrating life insurance and annuities inside the plan, how “tax arbitrage” is created through funding and distribution, and how policies can be repositioned for long-term, tax-advantaged growth and liquidity, along with policy design secrets you won't learn anywhere else. Watch the Interview on Youtube for Visuals - https://youtu.be/Pf7pziBV_l4 Want The Free Cash Balance Plan Guide? Click Here: https://bit.ly/4tn5vdP Want More Free Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault Learn More About BetterWealth: https://betterwealth.com Chapters: 00:00 - Introduction to Cash Balance Plans 01:51 - Background of the Speaker 07:31 - Comparing 401k and 401A Plans 10:00 - Eligible Assets for 401A Plans 11:04 - Contribution Requirements and Constraints 13:00 - The Exit Strategy and Tax Arbitrage 23:00 - Statutory Limits and Plan Design 33:01 - Death Benefits and Spousal Provisions 37:11 - Required Rates of Return 54:49 - Life Insurance as a Bond Proxy 01:03:04 - Estate Planning Strategies 01:06:12 - Qualifying for a 401A Plan 01:09:16 - Employee Participation and Retainment DISCLAIMER: https://bttr.ly/aapolicy *This video is for entertainment purposes only and is not financial or legal advice. Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes…