The "702j" Account 

Retirement Strategy Using the “702j account”

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. Remember: He only contributed a total of $280,000 into the policy. 

And that is not the end of the story. Upon his death, the policy will also give him a death benefit of $928,561 tax-free!

So the total benefit would be: $1,000,000 (passive income) + $928,561 (death benefit) = $1,928,561.

The policy will give a total benefit of almost $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.


Edgar I Arceo
CEO Arceo Financial Group

2002 Timberloch Pl, Suite 200
The Woodlands, TX 77380

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.

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:

So take the talent away from him and give it to the one who has the ten talents. For to everyone who has will more be given, and he will be furnished richly so that he will have an abundance; but from the one who does not have, even what he does have will be taken away. Matthew 25:28-29 (AMP)

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

Continuing with the example I started on section "HOW IT WORKS" – 45 year old male, contributing $40,000 for 7 years:

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