How To Use Defined Benefit Plans To Write-Off Life Insurance Premiums
From BetterWealth with Caleb Guilliams by BetterWealth Media
April 15, 2026 · 1h 18m · Episode 869
About this episode
Caleb Guilliams interviews Rohit Punyani about using Defined Benefit plans as a tax strategy for business owners to write off life insurance premiums.
I sit down with top planning expert, Rohit Punyani, to break down how Defined Benefit (DB) plans can be used as a powerful tax strategy for business owners and how they can potentially write off 6 to 7+ figure life insurance premiums. In this masterclass, we cover how DB plans (under 401a) work, who they’re best for, and why they allow for significantly larger deductions than traditional 401(k)s. We also dive into the advanced strategy of integrating life insurance and annuities inside the plan, how “tax arbitrage” is created through funding and distribution, and how policies can be repositioned for long-term, tax-advantaged growth and liquidity, along with policy design secrets you won't learn anywhere else. Watch the Interview on Youtube for Visuals - https://youtu.be/Pf7pziBV_l4 Want The Free Cash Balance Plan Guide? Click Here: https://bit.ly/4tn5vdP Want More Free Whole Life Insurance Resources & Education? Go Here: https://bttr.ly/yt-bw-vault Learn More About BetterWealth: https://betterwealth.com Chapters: 00:00 - Introduction to Cash Balance Plans 01:51 - Background of the Speaker 07:31 - Comparing 401k and 401A Plans 10:00 - Eligible Assets for 401A Plans 11:04…
People in this episode
Host: Caleb Guilliams
Guest: Rohit Punyani
Topics covered
- Defined Benefit Plans
- Tax Strategy
- Life Insurance
- Business Owners
- 401a Plans
- Tax Arbitrage
Keywords
- Defined Benefit Plans
- Life Insurance Premiums
- Tax Strategy
- 401a Plans
- Tax Arbitrage
- Business Owners
- Annuities
- Cash Balance Plans
Mentioned in this episode
Organizations: BetterWealth Media
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