Retirement Planning in Tampa Brooksville Orlando & Naples

Retirement Planning in Tampa Brooksville Orlando & Naples

Buy Term and Invest the Difference vs. Permanent Life Insurance

When planning for retirement in Florida, one of the most common questions we hear is:

“Is it better to buy term life insurance and invest the difference, or use a permanent life insurance strategy?”

Both strategies can work. But real-world research—often cited from studies performed by Ernst & Young—shows that the results depend heavily on taxes, market performance, and investor behavior.

Below is a simple, client-friendly comparison.

What Happens in Strong Markets?

Investment Return BTID Value at 65 Insurance Value Likely Winner

5% net return $430,000 $360,000 Close
7% net return $560,000 $360,000 BTID
9% net return $730,000 $360,000 BTID by far

Key insight:

Disciplined investors in strong markets often do better with BTID.

Tax-advantaged insurance strategies may produce more stable retirement income.

Why This Matters for Florida Retirees

Clients in Tampa, Brooksville, Orlando, and Naples often face:

Rising healthcare costs

Market volatility near retirement

Tax concerns in retirement

Desire for guaranteed income streams

That’s why many retirees use a combination strategy:

Term insurance for protection

Retirement accounts (401k, IRA, Roth)

Permanent insurance for tax-free income

The Fiduciary Approach

At Mintco Financial, we don’t push one strategy for everyone.

We look at:

Your retirement timeline

Your tax bracket

Your risk tolerance

Your estate planning goals

Your need for guaranteed income

Then we design a plan that fits your real life—not just a theory.

Local Retirement Planning Help in Florida

We serve clients throughout:

Tampa

Brooksville

Orlando

Naples

And nationwide via virtual meetings

Whether you’re 10, 20, or 30 years from retirement, a clear strategy today can mean hundreds of thousands of dollars in difference later.

Free Retirement Strategy Consultation