WWW.KingTeamFinancials.com
WWW.KingTeamFinancials.com
To live life to its fullest, you need to be prepared. Today, many of us will live well into and beyond our 80’s, and creating a plan to meet your future financial needs will help you prepare for this longer life expectancy. Annuities can help you meet this financial need.
An annuity is a contract between you and your insurance company. It can provide immediate income, or it can grow until you need income at a later time. Annuities are designed to turn the dollars you invest into an income stream you cannot outlive.
If you’re already contributing the maximum to other retirement plans, like an IRA or 401(k), an annuity is an attractive retirement planning option that grows tax-deferred. Annuities can also provide a current source of income before or during retirement. Annuities can help meet:
A variety of annuities can help you achieve your financial goals.
An annuity can be used to help you increase your savings, protect your savings, or provide a stream of income you cannot outlive.
With a guaranteed death benefit that will not decrease, a premium guaranteed not to increase and cash value that earns a guaranteed interest rate, whole life insurance can create a good foundation of traditional insurance. Whole life insurance provides permanent lifetime protection for those you care about. No matter when you die, as long as your premiums are paid, your beneficiaries will receive the money they need and generally won’t owe income taxes on those funds.
If you’re looking for a product that offers death benefit protection and the opportunity to build long-term cash value accumulation, an Indexed Universal Life (IUL) may fit your needs. An IUL policy will provide security today with the cash value growth potential you need for tomorrow
Generally, term insurance provides a higher benefit at a lower cost than permanent life insurance because protection is provided for a limited period and the policy does not grow in value
Return of Premium Term Life Insurance
Return of Premium (ROP) life insurance policies allow you many options you won’t find with traditional term life insurance policies. Although term life insurance is considered the lowest cost life insurance, many consumers are not comfortable spending the money because they could outlive the coverage. With a ROP life insurance policy, you can provide solid life insurance protection for your family with a guaranteed death benefit that gives you something tangible back – the return of all eligible premiums paid – when the level term period is up
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Yes! Everyone can benefit from financial advising. We can help you make your best financial decisions at any income level.
We will work with you to help you establish the right balance of risk to reward for your investments.
Life insurance is an important part of planning your estate and protecting your legacy.
Reach out with any questions or to set up a meeting to discover the best path to your financial freedom!
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