September 2, 2025
Don’t Miss Out: Year-End Qualified Plan Deadlines & Opportunities to Drive Production
As the year winds down, now is the time to act. Qualified retirement plans—like Profit Sharing and Defined Benefit plans—offer powerful tax and retirement benefits for business owners, but timing is everything.
Why Year-End Matters
While IRS rules allow business owners to establish certain qualified plans by their tax filing deadline (plus extensions), funding and implementing a plan before December 31 can provide immediate tax advantages and strategic benefits – especially when paired with life insurance strategies inside the plan.
That’s where you come in. By proactively engaging your business owner clients now, you can help them take advantage of current-year deductions while creating meaningful retirement outcomes for themselves and their employees.
Key TPA Deadlines for 2025 Implementation
To meet year-end implementation and funding goals, plan documents must be submitted in good order by the third-party administrator (TPA)’s internal deadlines – often well before December 31.
Here are two trusted TPA partners and their 2025 document submission deadlines:
- Pentegra: October 6, 2025
- RMC Group (CJA and Associates): December 5, 2025
(Each TPA may have different internal deadlines. These dates reflect deadlines for receiving plan documents in good order to ensure implementation and product funding before year-end.)
The Opportunity for Financial Professionals
Qualified Plans aren’t just technical tools – they’re production accelerators. They can open doors to:
- Significant life insurance premiums using pre-tax dollars
- Tax savings and deductions for high-income business owners
- Deeper relationships with business-owner clients
- Cross-selling opportunities (executive carve-outs, succession strategies, etc.)
This is an ideal time to schedule year-end business planning conversations. Use this window to identify prospects in industries with high net income, aging owners, and/or stable cash flow – then bring in your Advanced Sales team to help structure the case.
Your Next Steps:
- Review your book of business: Who fits the QP profile?
- Contact your NLG Advanced Sales Consultant: We’ll help assess the opportunity and coordinate illustrations.
- Act early: The sooner you begin, the more likely you are to meet the deadlines—and close Q4 business.
Educate. Engage. Execute. Let’s make qualified plans your year-end production booster.
For case design, illustrations, or TPA coordination, contact your NLG Advanced Sales Team.
For more details on how to implement a qualified plan, please refer to:
Advanced Markets Digital Playbook on
QUALIFIED RETIREMENT PLANS
You have direct access to the Advanced Markets Team for case consultation and point-of-sale support.
Learn more about the team on NationalLife.com
Need Help? Contact us at 1-800-906-3310, Option 1
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