After-Tax Plans

Supplemental Retirement and Security Strategies

Portable After-Tax Retirement and Insurance Plans

The objective of an after-tax retirement and insurance plan is to provide designated partners/executives with a competitive and tax-efficient program to help save for retirement and plan for financial security. Competitive and tax-efficient, they can be a great employee retention benefit.

After-Tax plans include a comprehensive suite of services:
  • Consulting
  • Life insurance product analysis
  • Communication/education
  • Administration
  • Integrated online application process complete with e-signature
  • Institutional pricing

Capital Accumulation

Amounts contributed to the plan grow tax deferred and are tax efficient if held to mortality. The policy values may be accessed on a tax-efficient basis through the use of withdrawals and policy loans to generate additional retirement income or to pay for financial events prior to retirement, (e.g., college tuition, second home).

Specially Designed and Priced Life Insurance

An after-tax insurance plan is portable, and provides a low cost life insurance benefit that can be a valuable financial planning tool as well as an estate planning tool. Best of all, it is funded through payroll contributions like any other retirement plan, and the benefit is determined based on the amount the participant and/or the company contributes via automatic payroll deduction.

You can access your cash value through loans and withdrawals. In general, loans are charged interest; they are usually not taxable. Withdrawals are taxable only when you take more money out of the policy than you've paid in premiums. Loans and withdrawals may reduce or eliminate the death benefit payable to your beneficiaries. Insurance products are designed for institutional investors. Securities are offered through Newport Group Securities, Inc., 300 Primera Boulevard, Suite 200, Lake Mary, FL 32746. Member, FINRA. Securities in California are offered under the dba Newport Securities Insurance Services. Other insurance products may be offered through Newport Group, Inc. Newport and its affiliates do not provide tax, legal or accounting advice. Clients should consult their own tax, legal and accounting advisors before making any decisions.


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Newport Group, Inc. and its affiliates provide recordkeeping, plan administration, trust and custody, consulting, fiduciary consulting, insurance and brokerage services. Fiduciary consulting services are provided through Newport Group Securities, Inc., an SEC-registered investment adviser and FINRA-registered broker-dealer, and InterServ, LLC, an SEC-registered investment adviser. Newport Group Securities, Inc. and InterServ, LLC are affiliates of Newport Group, Inc. All securities transactions are provided through Newport Group Securities, Inc., in its role as broker-dealer. All fiduciary consulting services are provided through the registered investment adviser. when offering variable insurance products, Newport Group Securities, Inc. acts solely in its capacity as a broker-dealer.
Trust and custody services provided by Newport Trust Company, a New Hampshire state chartered trust company and wholly owned subsidiary of Newport Group, Inc.