Know what you’re considering.
Get familiar with interest guarantees, access to your money, and important contract terms.
Read the fixed annuity overview ↗Resources
A little understanding
can go a long way.
Plain-language starting points for a more informed retirement conversation.
Think beyond the account balance.
Consider income timing, inflation, liquidity, and the people who depend on you.
Explore retirement income ↗Bring better questions.
A short, printable guide to help you prepare for a conversation about annuities and retirement.
Open the checklist ↗Learn from insurance regulators.
Explore the National Association of Insurance Commissioners’ consumer education on annuities.
Visit NAIC consumer resources ↗Protection today. Protect your family’s future.
Indexed universal life (IUL) combines protection for loved ones with the potential to build cash value over time. Available cash value can help with goals such as college, a home purchase, or unexpected expenses, while a death benefit helps support your family when you’re gone.
Let’s explore what matters to you →
IUL is permanent life insurance. Cash value growth is not guaranteed. Loans and withdrawals may be income-tax-free when requirements are met; they reduce policy value and death benefits and may cause a lapse or tax consequences.
As your family grows, what matters most?
How has becoming a parent changed the way you think about the future? If an income unexpectedly stopped, how long could your family maintain its lifestyle?
A conversation can help you explore coverage needs, existing benefits, and options for protecting the people who depend on you. Amanda can explain term and permanent life insurance choices available through her appointments, including their costs and commitments.
Your business is growing. Is your protection keeping pace?
What is the next milestone you are working toward? As your business changes, it can help to review how personal priorities and business protection fit together.
What would happen financially if you or a key person could no longer work? Insurance may play a role in key-person protection or funding a business succession arrangement, depending on the policy and circumstances. Life insurance does not automatically replace income during an inability to work.
Amanda can discuss insurance considerations and help identify questions to take to your tax, legal, and financial professionals. Ownership, beneficiaries, agreements, and tax treatment should be reviewed together.
Explore what deserves a closer look ↗
Considering a 401(k) rollover?
Your old workplace account could help support your next chapter. Explore options for growth potential, protection from market declines, and future retirement income. Amanda can help you understand the choices and see what fits your goals.
Explore your options with Amanda →
Withdrawals may be taxable. Contract terms, withdrawal limits, and charges apply. Guarantees depend on the issuing insurer’s claims-paying ability.
Further reading: NAIC life insurance guide ↗ · IRS tax information ↗
A more confident next chapter
starts with a conversation.
Bring your questions. Explore your options. Take the next step at your pace.