A life insurance retirement plan offers the benefits of life insurance plus the security of retirement savings. An LIRP won’t fully replace your IRA or 401(k), but it can be used as a supplement to your current retirement planning strategy. What Is an LIRP? A life insurance retirement plan is a permanent life insurance policy, such as universal life insurance, that combines life insurance coverage with a “cash value” component that you can dip into for retirement money (or anything else you...

Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations. Our Verdict Esurance is an online car insurance company owned by Allstate. Esurance customers can do many things online or through the mobile app. Esurance has competitive car insurance rates but has a very high level of customer complaints. It also has limited discounts and few optional coverages compared to many competitors. Those who value satisfactory...