Diversifying your retirement assets among a variety of vehicles-both through insurance products and investments- may help you meet your retirement income goals throughout your lifespan. We can help you design a guaranteed retirement income strategy that incorporates insurance to create opportunities as well as guaranteed income throughout your retirement. *
*Guarantees are backed by the financial strength and claims -paying ability of the issuing company and may be subject to restrictions, limitations, or early withdrawal fees. Annuities are not FDIC insured.
Term life insurance
Term insurance generally provides coverage for a specified period and pays out a specified amount of coverage to your beneficiary only if you die within that period. You pay the same amount of premium from the first day of the policy until the term ends.
Permanent life insurance
Permanent life insurance policies offer a death benefit and cash value. The death benefit is money that's paid to your beneficiaries when you die. A permanent insurance policy will stay permanently in effect for the rest of your life so long as premiums continue to be paid.
Long-term Care insurance
A long-term care insurance policy helps cover the costs of care when you have a chronic medical condition, a disability, or a disorder such as Alzheimer's disease. Most people with long-term care insurance buy it in their mid-50s to mid-60s. Whether long-term care insurance is the right choice for you depends on your situation and preferences. Accurate Advisory Group can refer you to professionals to help you meet your individual needs and goals.
Disability insurance is a type of insurance product that provides income in the event that a policyholder is prevented from working and earning an income due to a disability.
An annuity is a contract you purchase from an insurance company. For the premium you pay, you receive certain fixed and/or variable interest crediting options able to compound tax deferred until withdrawn. Annuities are insurance products that may be subject to fees, surrender charges, and holding periods which vary by carrier. Accurate Advisory Group speaks the speak and can help you decide if annuities may be an opportunity to help ensure a portion of your retirement income will be guaranteed.
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