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INSURANCE | INVESTMENT
Annuity
Looking for a guaranteed income stream during retirement? An annuity provides a protected income you cannot outlive. Keep your hard-earned money growing in a tax-deferred fund that is safe from volatility so you will have an income stream for life. Unlike 401(k)s and IRAs an annuity does not lose value when the market is down.
There are different types of annuities. Contact us to discover your options and learn how you can best prepare for retirement.
Guaranteed Universal
Life Insurance (GUL)
Need a permanent life insurance policy that lasts a lifetime? Guaranteed Universal Life Insurance is an increasingly popular choice for people who are looking for secure, affordable, long-term coverage. The cost of insurance does not change as you get older or if there are changes to your health. With a GUL, the death benefit is guaranteed as long as the premiums are paid on time and your coverage is active.
There are many options when selecting a life insurance policy. Let our experts guide you into making the right decision for your specific needs. Contact us today.
Indexed Universal
Life Insurance (IUL)
Life insurance with a cash value component in addition to a death benefit. Indexed Universal Life Insurance can help meet your family's need for protection while building cash value. IUL insurance policies offer tax-deferred cash accumulation for retirement while maintaining a death benefit. An IUL earns interest based on the stock market indexes.
A few of the features that policyholders appreciate about IULs are:
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they do not pay capital gains on the increase in cash value over time
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there is no required minimum distribution like a 401(k) and traditional IRA
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IUL insurance policies reduce risk, because no cash is directly invested in the stock market.
Our experts can help you make an informed decision and help you find a life insurance policy that fits your lifestyle. Contact us today.
Term Life Insurance
Life insurance that fits your budget. Term life insurance provides peace of mind for you and your family. You can feel confident that money will be available for credit card bills, home and car loans, medical expenses, final expenses, and even for your children and grandchildren's future education.
Term life insurance provides temporary protection for your loved ones at an affordable rate for a specific amount of time. Some people select term life insurance to provide coverage while they are paying off a mortgage or a during their working years.
To discuss your options and select the right insurance plan for you and your family, contact us today.
