Policies with planned distributions
Income designs funded in 2027 carry less required coverage, which leaves more cash value to borrow against in retirement.
For life insurance professionals
The last window for today's §7702 limits closes December 31, 2027.
On January 1, 2028 the interest rate behind every §7702 and §7702A premium limit rises from 2% to 3%. Policies issued in 2027 keep today's more favorable limits for life. Policies issued after need more death benefit for the same premium.
Who it matters for
A last-chance planning window for funded policies
Accumulation life insurance
Every dollar of coverage holds more premium at today's rate, so more of each dollar builds cash value instead of paying for insurance.
PPLI
Large, early-funded designs feel the guideline and 7-pay limits most. A 2028 issue needs materially more face for the same commitment.
The platform
Don't wait to tell your centers of influence.
Estate attorneys and CPAs will hear about this change from someone. A turn-key platform makes sure it's you, with a sourced briefing they can check for themselves.
Set yours up free- A ready-made briefing on the 2028 changes to the §7702 and §7702A limits, with the law, the math and the sources.
- Your logo and branding on every page and memo.
- Your own compliance disclosures and reference numbers, added wherever the material is shown or sent.
- A custom link for each COI, so you know which attorney or CPA is reading and referring.
- Client-specific before-and-after analysis in minutes: the same design issued in 2027 and in 2028, side by side.
- Engagement tracking and follow-ups: views, requests, case stages and reminders on who to call.
How it works
Live in an afternoon
- 1
Brand it
Add your logo, contact details and compliance language. Review and approve each piece.
- 2
Share it
Send each COI their own link from your own mailbox. See who opens it and who asks for an analysis.
- 3
Show the cost of waiting
Run the client's design as a 2027 and a 2028 issue, and send a one-page memo the attorney or CPA can check.
See it with your own branding before you decide.
Set up, preview and run the analysis free. You pay only when you publish your briefing to your COIs.
Try it yourself, free