{"id":39,"date":"2026-10-01T17:00:00","date_gmt":"2026-10-01T17:00:00","guid":{"rendered":"https:\/\/www.rayrodriguezinsurance.com\/blog\/?p=39"},"modified":"2026-10-01T17:00:00","modified_gmt":"2026-10-01T17:00:00","slug":"4-conditions-make-the-super-roth-work","status":"publish","type":"post","link":"https:\/\/www.rayrodriguezinsurance.com\/blog\/2026\/10\/01\/4-conditions-make-the-super-roth-work\/","title":{"rendered":"4 Conditions Make the Super Roth Work"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\" src=\"https:\/\/www.roomvu.com\/agent\/embed\/ray-rodriguez-4\/super-roth-wealth-remotion-videos-474c\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Advisors used Super Roth for private placement life insurance, a US wrapper that let investments compound without annual tax and pass outside taxable estates.<br \/>\nUnlike a Roth IRA, this structure had no income test, could absorb much larger premiums, and could hold alternative investments inside the policy.<br \/>\nTax results hinged on four pieces: qualifying under Section 7702, using loans instead of withdrawals, avoiding modified endowment status, and trust ownership outside the estate.<br \/>\nThe structure was generally limited to accredited investors and could help family businesses or farms keep illiquid assets intact by supplying estate liquidity.<br \/>\nAdvisors were also watching 2028, when compliance rate changes are expected to lower maximum funding limits, especially for younger insureds and later policy changes.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Advisors used Super Roth for private placement life insurance, a US wrapper that let investments compound without annual tax and pass outside taxable estates. Unlike a Roth IRA, this structure had no income test, could absorb much larger premiums, and could hold alternative investments inside the policy. Tax results hinged on four pieces: qualifying under [&hellip;]<\/p>\n","protected":false},"author":325,"featured_media":40,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-39","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-latest-posts"],"_links":{"self":[{"href":"https:\/\/www.rayrodriguezinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/39","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.rayrodriguezinsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.rayrodriguezinsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.rayrodriguezinsurance.com\/blog\/wp-json\/wp\/v2\/users\/325"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rayrodriguezinsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=39"}],"version-history":[{"count":1,"href":"https:\/\/www.rayrodriguezinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/39\/revisions"}],"predecessor-version":[{"id":41,"href":"https:\/\/www.rayrodriguezinsurance.com\/blog\/wp-json\/wp\/v2\/posts\/39\/revisions\/41"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rayrodriguezinsurance.com\/blog\/wp-json\/wp\/v2\/media\/40"}],"wp:attachment":[{"href":"https:\/\/www.rayrodriguezinsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=39"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rayrodriguezinsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=39"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rayrodriguezinsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=39"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}