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Retirement Solutions for All Ages

Is There Such A Thing As Risk-Free Retirement?

Problems With Most Retirement Plans

If you’re relying on social security to take care of you in your golden years, most people would consider you a little delirious. As people live longer than expected and resources continue to be depleted, more and more Americans are waking up to the fact that they have to take retirement into their own hands. But how?

The stock market is like gambling. Even experts lose money in an unexpected downturn. Nobody can predict where it will go. Do you want to take that kind of chance on your retirement? What about 401K? The founder himself said it was never designed to work as a retirement vehicle. In a very short period of time, decades of hard-earned savings can vanish. We all know folks who are working well into their 70s and beyond because they are still not able to retire.

Realizing how much taxes are going to affect her retirement.

How Much Of Your Retirement Is Going To Taxes?

Then you have the challenge of taxes. Do you think taxes are likely to go up or down between now and the time you retire? Uncle Sam always wants a piece of the pie. Sometimes, double or triple dipping into your pocket. With the right product, you can safeguard your retirement against loss, gain a guaranteed lifetime income payout and even get a plan that provides income for life 100% tax free.

Why not sit down with an Agent for Life to see some options you may not even know exist? Our commitment to you is to be professional, honest and educational, explaining concepts that can be challenging to understand. It’ll cost you nothing but it can mean a world of difference 20, 30 or 40 years from now.

Meet with an independent agent to discuss options you didn't know existed.

 Frequently Asked Questions 

Can these policies be good retirement options for my employees?

Indexed Universal Life policies are an affordable, flexible, and tax-advantaged way to provide for retirement for small businesses. See our blog post for more details.

What are Annuities?

An annuity is basically a financial contract between a client and an insurance company. However, annuities are different than life insurance. A life insurance policy provides benefits to your family when you die. An annuity allows you to accumulate money for future needs.

For an annuity, the client invests in, or purchases, the annuity with either one lump sum or by making payments over a period of time. In return, the insurance company agrees to make regular payments to the annuity owner. Depending on the contract, this can start immediately (immediate) or at some point in the future (deferred). These payments can be paid out for a specified period of time or for the remainder of the person’s life depending on what was agreed upon. These payments can be a fixed amount or variable depending on how the contract was set up. Hence, an annuity can be fixed, variable, or indexed.

With the advances in healthcare, many people are living longer than before. Annuities are a great option for retirement savings as it can address the risk of outliving one’s savings.

Annuities can be complex and may not be the best option for everyone. However, there is an increasing number of annuity options available. Some of these are less complex and have lower fees than traditional annuities. Speak with a knowledgeable agent today to see if and which annuity would be right for you. It is important to understand the pros and cons of the various types of each annuity available, so you are getting what you want without paying for extra riders or additional features that you simply don’t need.