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Insurance-Based Strategies for Retirement Income
Retirement Income Planning
Helping you think through how to turn savings into income that can last — without guesswork. Whether retirement is five years away or already here, a clear plan makes all the difference.
Indexed Annuities
An indexed annuity is a contract with an insurance company — not a market investment. Your potential growth is linked to the performance of a market index, but your principal is protected from index downturns according to your contract's terms. In exchange for that protection, indexed annuities typically have caps, participation rates, or spreads that limit how much index gain you can capture, along with surrender periods that limit access to your funds for a set number of years.
Indexed Universal Life (IUL)
Indexed universal life is permanent life insurance that includes a cash value component, where growth potential is linked to a market index within the policy's defined limits. It's designed first as life insurance protection — with the potential to build supplemental cash value over time. It is not a substitute for a securities-based investment account.
Juvenile IUL — A Head Start Strategy
One of the most underutilized strategies in financial planning is taking out an indexed universal life policy on a child or grandchild early in life. Premiums are low, the policy locks in insurability regardless of future health changes, and the cash value has decades to grow. It's a thoughtful way for parents and grandparents to give younger family members a meaningful financial foundation.
Not Sure Which Strategy Fits?
Start with a conversation — Rory will walk you through what makes sense for your specific situation.
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