Insurance FAQs

Retirement Funding?

Did you know there options other than IRA’s and 401k’s to save for retirement? There are a number of options that provide just as much opportunity for compounding and growth but with virtually no risk of loss or exposure to volatile financial markets. We can help you implement the tools to save for retirement without dealing with the roller coaster stock markets in a way that will provide you predictability, privacy, more control and most importantly, peace of mind.

What is Major Purchase Self Financing?

We specialize in helping families implement safe money strategies that allow them to become their source of financing for virtually any major purchase – like cars, vacations, home improvements, etc. The same money building towards retirement long term can also serve to meet the families financing needs short term – without risking it or giving up any of the growth.


What is Life Insurance?

Life insurance is a private contract between an individual and an insurance company. The insurance company promises to pay certain predetermined amounts to an insured person’s beneficiaries in exchange for the payment of premiums by the contract owner. Life insurance contracts may be structured in different ways depending upon the needs and goals of the policy owner.  We will help you understand the differences and decide which is the best option for your specific circumstances, needs and budget.

What is an Annuity?

An annuity is a private contract between an individual and an insurance company. The individual entrusts the insurance company with a set amount of money and the insurance company agrees to pay the contract owner a specified income, beginning at a specified time, lasting for a specified period of years or for life. Annuities may be useful in creating guaranteed retirement income for life or as a tax advantaged means of protecting retirement assets from market disruptions.