Products & Services

annuities & Lifetime Income

In my nearly 15 years of experience as an insurance advisor, I have met with hundreds of singles and couples. I have found that the retirement planning product that is the most confusing, complicated, least understood, and the most falsely represented by financial advisors, insurance professionals, and others is annuities.

Uses of life insurance

Many people find it surprising that life insurance can or even should be purchased by people in their 60’s or even 70’s. It is true that the reasons for purchasing life insurance at an older age may be different from those purchasing insurance who are younger; nonetheless, life insurance can be a powerful planning tool for seniors when used as a spousal or income replacement plan or as a legacy planning tool. The key is to purchase the right kind of insurance for the right reasons at the right time.

Long-term Care

Choosing whether or not to purchase long-term care insurance is one of the most important retirement planning decisions we will make. Despite the likelihood of long-term care expenses on the horizon, most of us do not have long-term care insurance. So, what deters us from purchasing long-term care insurance? Here are the two most common reasons..