An intelligent insurance strategy can be a great compliment to the modern financial plan. Insurance may be used to supplement and/or replace income. Insurance may also become a wonderful way to protect your assets.
permanent Life
Lifetime Insurance Coverage
-
Level premiums
-
Cash accumulation value
-
Can act as a tax shelter
indexed life
Permanent Life Insurance
-
Potential accumulation tied to stock market index
-
Cash accumulation value
-
Can act as a tax shelter
keyperson life
Insurance on a Key Employee
-
Crucial to a business
-
Affordable policies
-
Level premiums
-
Company pays premium
-
Company is the beneficiary
Variable annuity
Variable Income Stream
-
Variety of investment choices
-
Tax deferred growth
-
No upper limit on contributions
-
Optional living benefit features at a cost
fixed annuity
Fixed Income Stream
-
Guaranteed fixed rate compounded growth
-
Income tax deferred
-
Can convert to an income stream
-
Avoids asset probate
equity indexed
annuity
Guaranteed Growth and Income Stream
-
Minimum Interest Guarantee
-
Principal Protection
-
Capped Market Index participation
-
Predictable Earnings
longterm
care insurance
Estate Asset Protection
-
Level premiums
-
Tax-Free benefits
-
Tax Deductible premiums
-
Reduce the burden of economic and physical caregiving
disability
insurance
Future Income Protection
-
Level premiums
-
Protect your income if you become too sick to work
-
Help pay mortgage or rent, car payment, and daily expenses
-
Fully portable regardless of employer