Troy professionals max the 401(k). Then what?
Troy is corporate Michigan — engineering centers, tech offices, and finance headquarters full of high-earning W-2 professionals doing everything "right": maxing the 401(k), funding the HSA, watching the RSUs vest. And then the strategy just… stops. Every additional dollar sits in a brokerage account eating capital-gains drag, or in cash losing to inflation.
CentraLife advisors work with Troy households on the layer above the cap: max-funded IUL with no IRS contribution ceiling, tax-advantaged growth with a 0% floor, and retirement access that doesn’t stack on top of an already-large taxable income. For earners expecting equal-or-higher tax brackets in retirement, the structure matters more than the savings rate.
Built for the earner who has already maxed everything with a cap on it.
Indexed Universal Life
Permanent coverage with index-linked cash value, a floor against negative index credits, and potential lifetime access through withdrawals and policy loans.
Learn moreMortgage Protection
Coverage designed around the household—not only the loan—with options for living benefits and permanent cash value where appropriate.
Learn moreFinal Expense
A small whole-life policy that turns a five-figure bill into a tax-free check — so your family inherits money, not a funeral invoice.
Learn moreLocal questions, straight answers.
I already max my 401(k) and backdoor Roth — what does an IUL add for a Troy professional?
A third tax bucket with no contribution ceiling. The 401(k) is taxed later, the Roth is capped and income-restricted, and a max-funded IUL adds tax-advantaged accumulation with lifetime access through policy loans, no required minimum distributions, and a death benefit riding along. High earners typically fund it with the dollars above the qualified-plan limits.
How do RSUs and bonuses fit into a CentraLife plan?
Irregular compensation is actually ideal for policy funding — lump-sum premiums can be scheduled against vesting dates and bonus cycles, funding the policy to the MEC line efficiently without touching monthly cash flow.
Do you coordinate with my existing financial advisor or CPA?
Yes, and we prefer it. CentraLife designs the insurance layer; your CPA and investment advisor keep their lanes. The plans that work best are the ones where all three coordinate.
Useful next steps for Troy households.
The Michigan life insurance coverage gap
Review the statewide methodology, household exposure, and source data.
Read nextHow to compare life insurance carriers
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Read nextCentraLife’s Dearborn headquarters
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Read nextTalk to a licensed advisor — in Dearborn, by phone, or by video.
- Free 30-minute assessment — in person or by phone
- Review of existing policies, 401(k)s, and pensions included
- Headquartered at 290 Town Center Dr, Dearborn, MI 48126