I feel that my client could benefit from an IRA Rollback. Is this available to him if his ER 401k plan allows life insurance? His concern is that he won’t leave enough for his spouse. His liquid assets are [u]limited[/u] so he has been resistant to purchasing a stand alone policy and his group coverage is limited. Would purchasing term life using the RollBack strategy make sense? If not, I would go to the 72t distribution option to pay premiums.