RETIREMENT SOLUTIONS

 IULs combine the protection of life insurance with the opportunity for cash value growth.  Think of this as life insurance with benefits you can use while you’re living. It protects the people you love and lets your money grow along the way — based on how the market performs, but without the risk of losing what you’ve already built. You can access it later for retirement income, big expenses, or to leave something meaningful behind.  (See more below.)

 A Fixed Index Annuity helps your savings grow safely — even when the market’s unpredictable. Your money stays protected, but you can still earn interest when the market does well. And when it’s time to retire, it can give you guaranteed income for life, so you can stop worrying about outliving your savings.  An annuity can be an ideal choice if you're looking for stability and peace of mind.  (See more below.)

 If your pension plan is falling short of its obligations, exploring additional retirement savings options like Fixed Index Annuities and IULs can help bridge the gap. We offer strategies to supplement your pension and enhance your retirement security. 

 If you have a 401(k) from a previous employer, rolling it over into an IRA or can provide you with more investment choices and protect the money you already have. We can help you evaluate your options to ensure your rollover aligns with your retirement goals. 

Indexed Universal Life Insurance (IULs) 

Ideal for those needing flexible life insurance with the added benefit of cash value growth.  Suitable for estate planning, long-term financial goals, with a combination of insurance and investment.

Flexible Life Insurance Coverage:

• Scenario: You need life insurance with the flexibility to adjust your premiums and death benefits over time.
• Why IULs: They allow you to change your premium payments and death benefit amounts, providing flexibility as your financial situation changes.

Cash Value Growth:

• Scenario: You want a life insurance policy that builds cash value over time, which can be used for loans or withdrawals.
• Why IULs: They accumulate cash value linked to a market index, which can be accessed during your lifetime for various needs like education expenses or retirement income.

Estate Planning:

• Scenario: You’re planning your estate and want to provide a tax-free death benefit to your heirs.
• Why IULs: They offer a death benefit that is generally tax-free, making them a useful tool for estate planning and wealth transfer. 

Combination of Insurance and Investment:

• Scenario: You’re looking for a product that combines life insurance with investment growth potential.
• Why IULs: They offer both life insurance protection and the opportunity for cash value growth tied to an index, providing a dual benefit.

Long-Term Financial Planning:

• Scenario: You’re focused on long-term financial goals and want a policy that provides both insurance protection and potential cash value growth.
• Why IULs: They offer a way to grow your cash value linked to the performance of a market index while providing lifelong insurance coverage.

 Fixed Index Annuities (FIAs) 

Best for those looking for a secure investment with potential growth linked to the market, suitable for retirement savings, risk-averse investors, and those looking for stable income. 

Retirement Planning:

• Scenario: You’re nearing retirement and want a safe investment option that offers growth potential without risking your principal.
• Why FIAs: They provide a stable return with the opportunity to benefit from market gains, but your principal is protected from market losses.

Low Risk Tolerance:

• Scenario: You prefer a low-risk investment with guaranteed principal protection.
• Why FIAs: They offer a safe haven for your money with a guaranteed minimum return, making them ideal if you’re risk-averse but still want some exposure to market growth.

Fixed Income Supplement:

• Scenario: You’re looking for a predictable income stream in retirement.
• Why FIAs: You can set up an income option to receive regular payments, which can be useful for budgeting during retirement.

Diversifying Investments:

• Scenario: You want to diversify your portfolio to include investments that are less correlated with the stock market.
• Why FIAs: They provide a way to diversify beyond traditional stocks and bonds while still benefiting from some market growth.

Long-Term Savings Goal:

• Scenario: You’re saving for a long-term goal like a major purchase or an inheritance.
• Why FIAs: They offer the potential for growth linked to a market index while protecting your initial investment, making them suitable for long-term savings.