Indexed Insurance & Annuities - Guarantees DO Exist!

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Most financial advisers and planners don't specialize in "GUARANTEES." 

• NO guarantee against losing money in the market

• NO guarantee against ever running out of money

Instead, they rely purely on SPECULATION and GUESSING what the market will do. 

To spread this risk, they often recommend you "DIVERSIFY" which on the surface makes sense. 

But even if you DIVERSIFY - You are still GAMBLING and putting your money at RISK!  

"You're just using fifty slot machines instead of one." 

S&P 500 - Notable Loss Years

• 1930 -28.48%

• 1931 -47.07%

• 1937 -38.59%

• 1974 -29.72%

• 2002 -23.37%

• 2008 -38.49%

• 2022 -19.44%

What is the #1 concern of people who are retiring? RUNNING OUT OF MONEY. 

And it's no wonder. With medical technology constantly improving, people are living longer and longer. Will your savings last as long as you do? Have you factored in inflation also? Watching your retirement nestegg evaporate right before your eyes due to market losses, inflation and simply living longer is SCARY!  

Fixed and Indexed Annuities can provide a GUARANTEED life income that increases significantly over time, no matter how long either you or your spouse lives. It's like having a pension on steroids. Rest easy and sleep well, knowing you have a guaranteed check each month for the rest of your life!

Why gamble with your retirement funds when you don't have to?

Are you tired of market losses and volatility in your retirement portfolio? 

Do you remember 1987 and "Black Monday?" Or 2000, 2001 and 2002? Everyone remembers 2008 when the S&P 500 lost 38.49%. 

Are you looking  for more safety, protection and guarantees? You've come to the right place. "Getting the best of both worlds" - SAFETY AND PERFORMANCE is our specialty. 

Our Indexed Universal Life Insurance policies and Inexed Annuities CAPTURE THE UPSIDE OF THE MARKET WITH NO DOWNSIDE RISK. 

Wouldn't it be neat if you could  be guaranteed ALL GAINS AND ZERO LOSSES? You can with Fixed Indexed Annuities and Universal Life Insurance.

We broker with extremely strong, highly "A" rated life insurance and annuity companies, many that have been around since the 1800s

Are you concerned about the effects of inflation on your retirement savings? 

Is the cost of a gallon of as or milk the same as it was 20 years ago? Hardly, right? 

With people living longer and longer, your retirement money will have to keep up. Currently, we are experiencing RECORD HIGH At 7-8% inflation. At 8% inflation, you will need TWICE the spending power to buy the same thing in only 9 years. 

Use the "Rule of 72" to see how this works: 

Take 72 and divide it by the rate of inflation to see how long it will take for something to be double in price. 

(72 / 8 = 18)

Pretty sobering, isn't it? We can show you ways to offset inflation. 

Do you have a 401K from a previous employer that you need to roll into an IRA? 

Do you have IRAs that you need to consolidate? Are your retirement assets under performing? Are you looking for more safety, protection and guarantees? Do you need guidance and strategies on income planning so that you can finally enjoy what you've been looking forward to? 

Consider using us to roll your 401K from a previous employer or transfer your existing IRA, with no taxable event into an IRA funded with the SAFETY, SECURITY AND GUARANTEES of a Fixed Indexed Annuity. We have options and solutions to absolutely protect both your principal and gains earned from all downside market risk and also help you to create a single or joint "pension" a guaranteed lifetime income you cannot outlive! Your pension can go UP when the market goes up and NEVER go down when the market does. 

What is your plan if you get sick or hurt and cannot earn an income to fund your retirement plan? If you have no job, no income and no 401K contributions and no employer match, you have no retirement. Now what? Where will the money come from to save for retirement? 

Disability Insurance "DI" can protect your retirement savings in TWO WAYS: 

• It can PROTECT and insulate your savings and long term investments so they don't have to be liquidated - often at a loss. You never get the best price when you are in a rush to sell, right? Disability Insurance is Income Protection. It replaces a portion of your paycheck, tax-free so you have money for your current expenses like the mortgage, utilities and groceries and car payments.

• It can provide tax-free cash to CONTINUE FUNDING your retirement so it doesn't get completely derailed. People without disability insurance always go on disaster "survival mode" and STOP making their retirement contributions. 

Are you concerned about the effects of inflation on your retirement savings? 

Is the cost of a gallon of as or milk the same as it was 20 years ago? Hardly, right? 

With people living longer and longer, your retirement money will have to keep up. At 4% inflation, you will need twice the spending power to buy the same thing in 18 years. 

Use the "Rule of 72" to see how this works: 

Take 72 and divide it by the rate of inflation to see how long it will take for something to be double in price. 

(72 / 4 = 18). 

Pretty sobering, isn't it? We can show you ways to offset inflation.