Summary: "Benefits of Integrating Insurance Products into a Retirement Plan (Ernst & Young)
- Drew Isbell
- Jul 15
- 2 min read
Visual summary of the key insights from the Ernst & Young (EY) white paper, titled “Benefits of Integrating Insurance Products into a Retirement Plan”
🔷 Visual Summary: Smarter Retirement Planning with Whole Life & DIAs (Differed Income Annuities)
Based on EY White Paper (2023) [Source: EY.com – “Benefits of Integrating Insurance Products into a Retirement Plan”]
💡 Integrated Strategy vs. Investment-Only
📊 Recommended Allocation (per EY Study)
Annual Savings:
✅ 30% to Whole Life Insurance
✅ 70% to Traditional Investments
At Age 55:
✅ 30% of Assets to Deferred Income Annuity (DIA)
🔄 How It Works Together
[Whole Life] ➜ Cash Value Access During Market Downturns ↘️ [Stable Income from DIA at Retirement] ↗️ [Investments] ➜ Long-Term Growth + Legacy Building
We will flush this out a bit more in a future blog post - but this is huge as you plan for retirement and try not to worry about your accumulated retirement holdings. If you take during a market downturn it's going to change how your retirement looks. We don't want that for you - and truthfully - you don't want that for you either!
🛡 Why It Works
Whole Life Insurance
Tax-deferred growth
Liquidity via policy loans
Legacy via death benefit
DIA
Guaranteed future income
Hedge against longevity
Market-proof payouts
✅ EY’s Conclusion:
An integrated approach using whole life insurance and DIAs can deliver higher income stability, better risk protection, and stronger long-term results—especially when tailored to each client’s goals and risk tolerance.
If you would like to discuss more - please don't hesitate to reach out to us here at Isbell Financial Solutions LLC. We are happy to help in any way - even if it's just a brief call.
Happy to share the White Paper as well.
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