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Peter, what do you mean by "renting their policy?"
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The GROWTH in a Roth is tax deferred but not tax-free until age 59 1/2 or 5 years, whichever is later. Withdrawal of earnings prior to these seasoning rules are subject to the 10% penalty.Max out your ROTH IRA before you buy life insurance for the cash accumulation-- It has the same tax treatment with no COI. Once you are doing then-- then consider life insurance from an accumulation stand point.