Planning for retirement can be a scary proposition. One of the main reasons is due to the relative uncertainty of the stock market.
If that sound likes you, using insurance instruments, such as annuities, may be a good alternative for a portion of your retirement portfolio.
Many aren't aware that most annuities are specifically designed for retirement savings. These may be an attractive option for those interested in a more secure alternative to investing in the stock market.
Specifically, many fixed & indexed annuities have some unique features, not found in other retirement savings vehicles. Some of the features that these types of annuities may have are:
- Funds protected from market downturns
- Possibility of locking any & all gains that are earned, as often as daily, in some cases
- Ability to generate a guaranteed annual payout for you & your spouse's lifetime as high as 12% of the value per year (depending on age of annuitant & other factors)
- An enhanced death benefit that can increase the value of your annuity when it passes to beneficiaries(can be especially useful for estate planning purposes)
These are just some of the features that may be available. But, as you can see, if retirement planning is important to you, annuities can definitely be a retirement option that merits exploring further.
Our certified & licensed annuity specialist will be happy to provide you further details, answer any questions and show you various options from our great network of top annuity carriers.
We have partnered with the top annuity companies in the industry:
- American Equity Life
- American National
- Genworth Life & Annuity
- Great American Life Ins Co
- Life of the Southwest (LSW)
- VoyaFinancial (formerlyING)
- Lincoln Financial
- Nationwide Financial
- North American Life & Health
- Pacific Life
- Phoenix Life
LTC (Long Term Care)
We are living longer today. This can present concerns as to whether family & loved ones will be burdened by our care needs as we do get older.
Government studies show that you have a 70% chance of needing care at some point in your life. And contrary to what you might believe, private health insurance and Medicare will not cover your costs. Currently, the nationwide average cost is $7,100 per month or $86,700 per year.
Wouldn't it be nice to work with a truly independent & unbiased agent that will help you review rates of every company available in the marketplace to allow you to instantly compare quotes? Especially, when rates can differ by as much as 80% for the same exact benefits, from one company to another.
We can review and compare rates of the top rated providers in minutesand provide you the long term insurance costs for the particular local area where you live.
Our LTC network includes top providers like:
- John Hancock
- Life Secure
- Lincoln Moneyguard
- Mass Mutual
- Mutual of Omaha
- New York Life
- Northwestern Mutual
- Pacific Life
- State Farm
- State Life