Life Insurance & Retirement Planning
Medicare covers your health. But what covers your family if something happens to you, or your income if you outlive your savings? We can help with that too.
Life Insurance
Most people who are newly enrolled in Medicare are in their mid-60s — and many are still carrying financial obligations: a mortgage, a spouse who depends on their income, or adult children they want to leave something to. Life insurance after 65 isn't just possible, it's often more affordable than people expect.
As an independent agency, we work with multiple carriers rather than pushing a single company's products. That means we can shop the market for you and match you to a policy that fits your health history, coverage need, and budget.
Term Life
Coverage for a fixed period — typically 10, 15, or 20 years. Lower premiums than permanent policies. A good fit if your primary need is income replacement or mortgage protection during a defined window.
Whole Life
Permanent coverage that doesn't expire as long as premiums are paid. Builds cash value over time. Often used for estate planning, leaving a specific legacy, or locking in coverage before health changes.
Universal Life
Flexible premiums and death benefit within a permanent policy structure. Offers more adjustability than whole life — useful if your income or coverage needs are likely to change.
Guaranteed Issue
No health questions, no medical exam — coverage is guaranteed regardless of health history. Premiums are higher and death benefits are typically lower, but it's an option when traditional underwriting isn't available.
Final Expense Insurance
Final expense policies are a specific type of whole life insurance designed to cover end-of-life costs: funeral expenses, burial, cremation, and any remaining medical bills or debts. Face amounts typically range from $5,000 to $25,000, and premiums are fixed for life.
These policies are simpler to qualify for than traditional life insurance — most require only a brief health questionnaire with no medical exam. They're a practical option for people who don't need a large death benefit but want to make sure their family isn't left with out-of-pocket funeral costs, which average over $9,000 nationally.
Who it typically fits
Adults 50–85 who want to cover funeral and burial costs, relieve the financial burden on family members, or leave a small cash benefit without the premium of a larger policy.
What to know
Premiums are locked in at your age of enrollment and never increase. Coverage is permanent — there's no term end date. Most policies pay within days of a claim being filed.
Annuities
An annuity is a contract with an insurance company: you put in a lump sum (or a series of payments), and in return the insurer guarantees a stream of income — either for a fixed period or for the rest of your life. For retirees worried about outliving their savings, a guaranteed income stream can be a meaningful part of the picture.
Annuities aren't right for everyone. They come in many forms, have varying fee structures, and tie up capital in ways that other investments don't. We don't recommend them universally — but for the right situation, they solve a real problem.
Fixed Annuities
Earn a guaranteed interest rate for a set period. Lower risk, predictable growth. Often compared to CDs but with tax-deferred accumulation. A conservative option for money you won't need immediately.
Fixed Indexed Annuities (FIA)
Growth tied to a market index (like the S&P 500) with a floor — you participate in some upside but are protected from market losses. A common middle-ground between fixed and variable products.
Income Annuities / SPIA
Single Premium Immediate Annuities convert a lump sum into guaranteed monthly income starting right away. Simple, predictable, and useful for covering fixed expenses in retirement alongside Social Security.
Deferred Income Annuities
You fund them now and income starts at a future date you choose — often used to plan for a specific income gap in later retirement years (age 80+) when other savings may be depleted.
Annuities are insurance products, not securities. We are licensed insurance agents, not registered investment advisors. We do not provide investment advice. A financial advisor or fiduciary planner can help evaluate whether an annuity fits your broader retirement strategy.
Not sure which of these products — if any — makes sense for your situation? Start with a free conversation. No pressure, no pitch, just an honest look at where you stand.
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