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Tax Advantaged Use of Life Insurance in Retirement Planning

(664 reviews)

Produced on December 14, 2018

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Course Information

Time 1h 1m
Difficulty Intermediate
Topics covered in this course: Tax Insurance

Course Description

The retirement planning challenges everyone is faced with are constantly changing due to changes in the tax laws. Many people do not understand the pitfalls between investing for retirement savings and simply saving for retirement. When it comes to your future and your hard-earned money, do you really want to rely on speculation, hoping that stock prices rise instead of fall? Or... would you prefer to save with predictable gains secured by compound interest that cannot be lost?

This course, presented by retirement planning attorney Joseph Adelizzi, offers both a refresher on the basics of retirement saving and the tax treatment of the traditional retirement plans. It discusses the application of tax-favored use of life insurance policies to accomplish enhanced retirement plan distributions that put more money into retirees pockets when they actually retire. Case studies of certain planning ideas are demonstrated and retirement distributions from plans are illustrated to show the difference between taxable and non-taxable strategies. For both experienced and new practitioners, this program pulls back the curtain on the tax favored use of life insurance in retirement planning.

Learning Objectives:
  1. Examine the laws in the Internal Revenue Code that allow for the establishment of tax favored use of life insurance policies for retirement purposes
  2. Review some of the problems and challenges associated with saving for retirement and the adverse tax treatment most retirement plans are subject to upon distribution, such as:
    • Tax rates
    • Qualified plans
    • Deductible vs. non-deductible contributions
    • Planning ideas
    • Distribution - taxable vs. non-taxable
  3. Discover some of the benefits of establishing a properly structured life insurance policy that may be used for retirement on a tax favored basis
  4. Discuss the various tax rates, and the various qualified retirement plans under the Internal Revenue Code
  5. Explore various funding techniques with deductible contributions vs. non-deductible contributions

Credit Information

After completing this course, Lawline will report your attendance information to {{ accredMasterState.state.name }}. Please ensure your license number is filled out in your profile to ensure timely reporting. For more information, see our {{ accredMasterState.state.name }} CLE Requirements page . After completing this course, {{ accredMasterState.state.name }} attorneys self-report their attendance and CLE compliance. For more information on how to report your CLE courses, see our {{ accredMasterState.state.name }} CLE Requirements FAQ .


Joseph Adelizzi

Law Offices of Joseph Adelizzi

Joseph Adelizzi is an attorney and principal of Security Planning Group, Inc. He has been in practice since 1984 and has litigated cases for some of the nation’s largest insurance companies. He is admitted to the following: California Supreme Court, State Bar of California; United States District Courts, Central District and Southern District of California; United States Tax Court, all 50 states. He is a certified Mediator and served on the Settlement Conference Panel of the San Diego Superior Court as a Judge Pro Tem from 1987 to 2006. He is rated as “Distinguished” by Martindale Hubbell and in a recent run for Superior Court Judge in 2014 was vetted by the San Diego County Bar Association and was the only civil litigator in that election rated “Qualified” for the position of Superior Court Judge.

He has handled appellate cases successfully and has won trials in the areas of Employment Law, Federal & State FDCPA litigation, Business, Civil and Contract Litigation. He acts as approved insurance defense counsel for CHUBB and CNA in the areas of defense of professional negligence cases.

He founded Security Planning Group, Inc., as a group of legal professionals who are constantly striving to expand the professional and public knowledge about financial self-defense plans to guard against Governmental Security, the Internal Revenue Service, Department of Health Services, Hospitals and Nursing Homes, which are just a short list of the potential threats to your family's financial security and your own personal rights.

He also assists clients by preparing documents that guarantee the right to maintain personal dignity and wishes in the event they cannot make those decisions for themselves, avoiding unnecessary governmental intrusion into their private affairs.

On a personal note, Mr. Adelizzi, is a native New Yorker who has been a resident of Encinitas, California since 1981. He is married to his wife, Margaret and has two grown children. In his spare time, Mr. Adelizzi enjoys a variety of activities such as golf, scuba diving, fishing, skiing and racing as a seven-time Ironman competitive triathlete.


William I.

Excellent course.

David O.

Very Creative

Rebecca Z.

Absolutely fantastic course! Excellent presentation! Clear and concise communication on a complex topic. He made it very understandable and practical. Well worth the time. I will look for more courses from Mr. Adelizzi! Thank you!

Thomas C.

Excellent presentation.

carrolyn g.

Excellent course. Provided new information re use of insurance for retirement/estate planning

Stacey T.


John M.

good practical advice

Mario R.

helps personally

Stacy S.

Intriguing content. Would love to hear more in-depth on meeting the requirements for section 7702.

Richard S.

Incredibly focused and clear

Cathleen W.

Did not know what to expect but interesting.

Ronald J A.

Good stuff!

John M.


Lowell S.

Very informative, thanks!

Eric H K.

This is the best.

Lauren H.

Great practical program!

Billy J.

Truly outstanding. Thank you!

David W.

This was one of the best CLE presentations I have seen in 40 years of practicing law.

Paul G.

Thank you!

Marion C.

Exceptionally good presentation

James V.

Thanks. Excellent presentation!

Rebecca C.

This is an entirely new area for me, and it was surprisingly easy to understand. Very informative and helpful for me personally as well as when advising clients.

Michael M.

Very informative personally and professionally. Great topic!

George J.

Very clear on rationales and strategies. One of the best.

Timothy T.

Excellent. Great presentation. Well Organized for maximum effect

Robert D.

An interesting and useful presentation. Would recommend it to others.

Stephen W.

Very practical content . . . enjoyable manner of presentation

Cynthia S.


Layne S.

Mr. Adelizzi taught me something no insurance broker has ever been able or willing to. Thank You!

Roger S.

Superb. Way above the average program.

Drew R.

Very efficiently and clearly presented

Joseph H.

Excellent speaker

Pamela C.

Excellent presentation! Makes me want to explore this topic further.

Kathryn H.

Loved this program!

Derek B.

Truly enlightening.

Chantel L.

Examples were very clear and easy to understand

TeriMichelle J.

Wow! Great material and financial strategies. Presenter was professional and engaging. Highly recommend.

Robert W.

Excellent presentation, clear and engaging.

Joseph L.

The speaker did a very good job of both explaining basic essentials and developing the complex ramifications of the taxation considerations at issue. Very edifying.

C. T. A.

I needed this!

Sharon L.

This is one of the most informative courses I have ever taken. It was also so well organized and delivered that the hour flew by.

Christina C.

Very informative !

Stanley B.

excellent content and presentation

Carey B.


Leslie A.

Very interesting course. Enjoyed it very much.

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