Retirement Protection - Indexed Annuity

With the future of Social Security in question and company pensions quickly becoming a thing of the past, retirement is no longer as certain as it once was. An annuity is a secure investment that can guarantee income for your retirement.


Why is an Annuity so important? Retirement planning can be a bumpy road. Without the right investment vehicle, you may outlive your savings or suffer a lower quality of life to make ends meet. The government doesn’t make it easy, either. Taxes, Medicaid, estate planning, and a variety of other factors add to the uncertainty, putting your financial security in question.

Retirement is your opportunity to live your dreams. Don’t spend it on a modest income or, even worse, burdening your family financially. With an annuity, you can guarantee income for the rest of your life, so you can enjoy your golden years without worrying about the finances.

If you’re planning for retirement, you can obtain a free annuity quote.

ANNUITY EXCHANGE (Rollover)

Investing for the future is not a one-step process. If you aren’t reevaluating your investments from time to time, you might be losing out. An annuity exchange allows you to shift your existing annuity product into a better offering.

Why is an Annuity Exchange so important?

Many older annuities leave a lot to be desired. They can be confusing, complicated, or difficult to manage. Worse still, they may incur high management fees or limit your investment options, essentially undercutting your return. With thousands of potential retirement dollars on the line, are you sure you’re getting the most out of your annuity?

An annuity exchange gives you the power of choice. See an annuity product that you like better? You can roll your existing annuity into a new one to get the better deal. Managing multiple retirement assets? You can consolidate them into one for ease of management and superior returns. By trading up to a better annuity, you’re trading up to a better retirement.

TAX DEFERRED ANNUITY

401(k)s and IRAs are great for avoiding high taxes while saving for retirement, but there are limits on how much you can save. A tax-deferred annuity gives you another way to save that doesn't have these contribution limits, allowing you to save more and live better throughout your golden years.

Why is a Tax-Deferred Annuity so important? Taxes can be a real drain, especially if you're in a higher tax bracket. Like it or not, that's money you'll never see again. Unfortunately, sponsored retirement savings plans have built-in restrictions, which can keep you from reaching your retirement income goals.

A tax-deferred annuity is the perfect compliment to existing retirement savings. You can defer more for later with fewer restrictions, all the while avoiding high taxes just as effectively as a 401(k). Instead of living within your means, you can look forward to retiring with confidence and security.

Why permanent - universal life insurance?

Death and taxes are inevitable, but universal life insurance helps you deal with both. With a universal life insurance plan, you get the coverage of life insurance along with a tax-deferred savings that grows over time.


Why is Universal Life Insurance so important? Because life is unpredictable. You could live into your 90's or you could die tomorrow. Nobody has the luxury of knowing when the inevitable will occur. The only way to guarantee your family's financial security is to be ready for anything.

Universal life insurance does just that. If death occurs, your policy will help deal with the aftermath. If it doesn't, you'll have savings to fall back on during retirement or hard times. If you become ill or disabled, you never have to worry about your insurability. With universal life insurance, you and your family are protected no matter what happens.

Why Term Life Insurance?

Death is the worst emotional loss a family can suffer. All too often, the financial hardship that follows can make that burden seem unbearable. Term life insurance pays your family a cash benefit in the event of your death.


Why is Term Life Insurance so important? Because your family depends on you. What would happen if you died tomorrow? Could they pay the bills? Could they afford the funeral expenses? Without your support, how would they get by?

It's not a pleasant subject, but death is often unexpected. Planning ahead is the only way to protect your family from hardship if the unmentionable should occur. More importantly, it's a way of showing your love and support during their most difficult transition.

Final Expense Policies

According to the National Funeral Directors Association, the average cost of a funeral in 2006 was $7,323. And, this cost does not include the cemetery plot, monument, flowers, obituary or other cash expenses, which could push the cost well over $10,000.

Why burden your family with these costs at a time when they already have many other concerns? You can help reduce the worry your family will experience when you die by putting the money in place, so that it’s available when they need it most.

Do you have thie coverage in place?  How about your parents?

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