<prompt> Human: I just found out about this retirement investment strategy. Distinct from a back door Roth, this is buying a cash value life insurance policy and then borrowing against the payoff value over time, beginning at retirement age. You are making the lender your beneficiary and spending a portion of your own life insurance payoff. It is a means for people who make too much for traditional IRAs to reduce the tax burden on their retirement investments.Heres a recent article I came across.One key to minimizing fees associated with this tactic is to use an insurerlender who offers a Zero Net Loan deal.Id like to know the opinions of folks who are more familiar with this method than I am, and also any recommendations for companies offering the right kind of cash value life policies and zero net loans.  <response>: I am stunned that a CFP wrote this article and was never really honest about the fees associated with this type of product and the cost of those fees over a life time. You could save in a taxable account and practice tax loss harvesting over 10-20 years and be in a much better position net of all the fees associated with these types of products that usually run in the 3-4 range Its dishonest marketing crap. 