1035 Exchange

Sat, 11 Apr 2026 09:57:26 +0000

**Why 1035 Exchange Is Reshaping Retirement Investing in America** The 1035 Exchange is quietly shifting how investors approach retirement planning—offering a flexible, tax-efficient bridge between life insurance and retirement accounts. With rising interest in alternative retirement income strategies, this growing trend reflects real shifts in how Americans manage wealth through midlife and retirement. ### A Growing Trend Driven by Financial Clarity and Incentives Right now, more people are seeking accessible, low-risk ways to unlock surplus cash trapped in whole life insurance policies. The 1035 Exchange enables this by allowing policyholders to swap one insurance contract for another—often into qualified retirement accounts—without triggering immediate tax consequences. This aligns with a broader move toward smarter, more agile retirement portfolios.