Roth IRA: Unlike a traditional IRA, you don’t get to defer taxes on the income you contribute to a Roth IRA. But the upside is that when you reach retirement age, you can generally make withdrawals income tax free. And if you die with money still in the account*, your beneficiaries also won’t pay taxes when they make withdrawals (but could still be subject to estate taxes).
Life insurance: Life insurance death benefits pass to beneficiaries income tax free, and it provides other advantages as well. You can leverage permanent life insurance cash values while living for a variety of strategies. (The cash value in a life insurance policy is accessed through withdrawals and policy loans, which accrue interest at the current rate. Loans and withdrawals will decrease the cash surrender value and death benefit.)