Retirement Security

Is your retirement truly secure?

I am going to completely steer clear of any political views right now, and simply ask that you check on your retirement account, and your faith in its ACTUAL ability to provide financial security when it is most needed. Is there anything in there that is offering fixed interest, or guaranteed rates to secure your money? Are you hemorrhaging financially, and for how long can the average retirement account sustain that? Will it be dwindled down to an amount that isn't going to sustain you but for a couple years after retirement, if even then? Or maybe, you've already retired and can tell what you have isn't enough...Well....... Don't lay in bed wondering what the cut-off age to become a Walmart Greeter is. (No shade, I love Marcus at our local Walmart, but I'm sure he'd rather be golfing or something other than working, AGAIN.) I'm here to tell ya, You've Got Options Babe! And we're the perfect people to help find them all!

By the way, if you're looking to learn more about relieving your surviving family from the financial burder of your final expenses, just click on either Term Life or Whole Life in the Insurance Options Menu above when you're done here. Also, the Cancer & Heart Attack/Stroke section is where you can find info on getting paid for a diagnosis without having to pass away.

Okay, let's get back to why you're here, "Is there a more secure option for my retirement funds?" And the most honest answer is, it really depends on what type of account it's in now, and how much control you have over it. There are a couple different options available. Some that operate more like an investment account in terms of moving your money based on your preferred risk, and some that are perfect for a more secure savings for fixed accounts with guaranteed minimum interests. Of course, some companies have strict requirements to qualify, although not usually as narrow parameters as an all out Life Insurance Policy. What about restrictions? These, like your retirement account, are built for longevity, so most of the restrictions are related to age of withdraw, annual amount that can be deposited, and access to funds in the meantime. When considering whether to get a Fixed Annuity, or a customized Index Universal Life Account, the most often question asked is "Can it be accessed or used BEFORE I die?" And in short, Yeah, in 2 different ways; There's a cash value to access if needed, and living benefits to payout up to 80% in the event of a major medical diagnosis (without passing). Are they temporary or permanent? Well, the Annuity is structured to pay out entirely until empty. The I.U.L. holds a Death Benefit, but is structured to last until age 120 and can be customized to either hold that Death Benefit amount, or increase it along the way. Neither require medical exams, Dr visits, bloodwork, or cups to fill with specimens of any bodily fluid. No hoops, just a digital medical history check. We get it, there is a LOT to know about securing your retirement, and decisions to be made. And we're here to help you with that. We know there HAS to be a different way to secure your finances in order to protect your family, and rest assured, WE GOT YOU! We don't want to see you work until the day after you die.. See, we went through all the courses and trainings (and ALL the subsequent updated and changes through continue education) to know which options work best for your specific end goals, and how each account type performs. And then we got state licensed as a promise to work with your best interest in mind.

Here are some key takeaways to help you decide if your retirement funds are prepared to secure YOUR family's financial future.