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Long Term Care Insurance Why consider long term care insurance?

Protect your family with a life insurance policy

Protect your family with a life insurance policy

Types of deferred annuities and their features

Fixed Annuities

Earns a guaranteed rate of interest for a set period of time.
Principal and interest are guaranteed by the financial strength of the insurance company that issues it.

Indexed Annuities

Earns interest based on performance of an underlying financial benchmark like the S&P 500 Index, subject to interest rate caps.
Offer a guaranteed minimum rate of return, which can be as low as 0%.

Variable Annuities

Earnings based on the performance of the investment options (or 'subaccounts') you select from among those offered under the annuity.
Do not offer guaranteed returns and may lose or gain value depending upon the performance of the investments.

Common uses for life insurance:

Income Replacement
Continue to pay the mortgage
Cover outstanding debt
Maintain your family's lifestyle
Children's Education
Ensure children don’t have to struggle to afford attending college
Business Preservation
Keep a business in the family
Replace income for family members who depend on business
Allow a partner to buyout the business

Seven Life Stages That Affect Your Life Insurance Needs

1. Marriage and Life Insurance

2. Having a Child

3. Mortgage Protection

4. Protect Your Business

5. Living Single

6. Estate Planning

7. Retirement Planning

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