Annuities & Index Universal Life Insurance

Annuities can help address one of your fundamental concerns: Outliving your savings. They offer you guaranteed lifetime income payments, which may give you the freedom to fulfill your retirement dreams and help with your financial peace of mind with flexibility to use your cash however you choose.

Index universal life insurance can help protect a family’s standard of living or help fund a child’s education in the event of death of the insured.

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Types of Annuities

Income Annuities

Income annuities can provide you with a guaranteed, reliable income stream that you can’t outlive. If you’re nearing retirement age or are already retired, income annuities can help supplement your income through a series of payments throughout your lifetime or for a specific period of time.

Deferred Annuities

Deferred annuities can help you accumulate assets for retirement by offering you a fixed rate of return and tax-deferred growth. And with deferred annuities, your investment will never decline in value.

Retirement Gap – a difference between what people are currently saving and what they should be saving.

What annuities can offer

Guaranteed, reliable income

One of the most challenging problems in retirement is determining how much income you’ll need. Annuities provide reliable income that you can use however you wish.

Tax-deferred growth

Taxes on annuity earnings are deferred until you begin taking money out. That may help you minimize the amount of tax you pay.

Flexible income options

Everyone’s situation is different. Annuities offer income options and a choice of frequency so you can select what’s right for you.

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Index Universal Life Insurance (IUL)

Index universal life insurance can help protect a family’s standard of living or help fund a child’s education in the event of the death of the insured. The policy also offers options to change death benefit amounts or adjust premium payments within certain limitations.

Safe Solution offers a unique combination of features that are designed to help you meet your retirement goals. It provides an opportunity for potential interest growth based on changes to the S&P 500^®. In addition, since the account value grows tax-deferred, your account value will accumulate faster than a taxable account. No other product type offers you the opportunity to earn upside interest based on positive changes to an index while offering the downside protection of a guaranteed minimum interest rate of 0%

Indexed universal life policies fall into the category of permanent life insurance. These policies offer death benefit protection when death happens. Additionally, the premium payments have the ability to earn interest to build cash value on the policy.