Now, let’s say that this individual dies at age 90 – what was the total benefit that he received from this policy?

$50,000 x 20 years = $1,000,000. 
Please note that all that passive income was tax-free. 

And that is not the end of the story. Upon her death, the policy will also give her a death benefit of $1,041,847 tax-free!

So the total benefit would be: $1,000,000 (passive income) + $1,041,847 (death benefit) = $2,041,847

The policy will give a total benefit of $2 Million Dollars – all of it tax-free! Can you calculate how much money he would have to pay in taxes otherwise? 

All of this while keeping control over his money at all times, with no risk. 

If this sounds like something you would like to talk more about, please give us a call at 855-702-7702, or send me a personal email at

We work with life insurance companies that are rated A+ (or better).  We will never ask for money paid directly to us – all premiums will go directly to the life insurance company.

We would like to earn your business. Give us a try, and you will see why we are one of the top agencies for structuring policies for maximum cash accumulation in the US.

God bless you!


Edgar I Arceo
CEO Hesed Financial Group
2002 Timberloch Pl, Suite 200

The Woodlands, TX 77380

There is not a set amount he needs to take (like an annuity or a qualified retirement account). He can vary the passive income he will receive each year, but for this example, I am going to say he would like to take $50,000 each and every year (tax-free) from this policy, to complement his retirement plan.

 This is how it will look: 

*Based on 2018 dividends and costs

retirement strategy using the 770 account. 

Retirement Example

​How can you use a “702j account” for retirement purposes? What would that look like?

Continuing with the example I started – 45 year old male, contributing $40,000:

Let’s say that this individual would like to work until age 70 and then receive a passive income from his policy tax-free. 

At age 70, he contributed a total of $280,000, but he will have a cash value of $922,084. This is if the company keeps paying the same dividend, but if they increase it due to higher interest rates available in the economy in future years, then the illustration will be more favorable.

Also, the death benefit went from $856k to $1.49 million.