Cash value grows tax-deferred and can fund retirement without triggering income taxes if structured correctly. Compare quotes from 30+ companies to maximize growth.
Simplified issue burial insurance asks few health questions and offers lower premiums than guaranteed issue—best for relatively healthy seniors up to age 85.
Thinking about buying an annuity? They solve 5 critical retirement risks: outliving savings, market crashes during withdrawals, unpredictable income, forced RMDs after 73, and tax drag on growth. Here's the smart way to buy one.
Retire at 55 and avoid the 10% early withdrawal penalty using the Rule of 55. Leave your job at 55+ and take penalty-free withdrawals from that employer's 401(k).
You lose control of your money with annuities is the biggest myth in retirement planning. Most modern contracts give you access to funds, keep beneficiaries protected, and offer annual withdrawals. Let me explain how they actually work.
That moment when you realize your employer's life insurance is only 1x your salary and costs $50/month... meanwhile you could get 10x coverage for less. Time to shop around. 👇
What happens to your annuity when you die? Your beneficiary designations control everything—who inherits, how quickly, and how much is lost to taxes and probate.
The best fixed annuity rate in 2025? 6.15% for a 7-year term. That's higher than most CDs, and the interest grows tax-deferred—meaning no annual tax drag eating your gains. With rates expected to drop, locking in longer terms NOW is the move.
Term life insurance is the most affordable way to protect your income, mortgage, and family for a set period. $500k of coverage for a healthy 30-year-old? Often $20-30/month. No tricks, just straightforward protection.
Living abroad? U.S. health plans and Medicare don't cover treatment overseas. Expat health insurance provides worldwide medical coverage, evacuation, and private hospital access.
Real numbers: Nursing homes run $90-150k/year. Assisted living is $50-80k/year. Home health care costs $25-40/hour. Medicare covers almost NONE of this. Without planning ahead, you'll pay out of pocket.
If something happened to you tomorrow, could your family cover the mortgage, debts, and daily expenses? Here's how to calculate exactly how much life insurance you need (and find it at the best price).
Stuck in a bad annuity? A 1035 exchange lets you transfer to a better contract tax-free—but watch out, the new one may have its own surrender schedule.
Whole life builds cash value you can borrow against. Term life gives pure protection with no savings component. Compare costs, benefits, and find your best fit.
Fixed indexed annuities earn interest in BOTH bull and bear markets using annual resets. You capture upside when markets rise, lock in gains yearly, and never lose principal when markets drop.
Guaranteed issue life insurance accepts everyone—no health questions asked. Coverage is small ($5K-$25K), costs more, and includes a 2-year waiting period.
Diabetes, heart conditions, cancer survivor? Certain carriers specialize in high-risk applicants and offer competitive rates. Don't give up—get matched with the right insurer.
Mortgage Protection Insurance pays your lender if you die—but your family gets nothing. Term life insurance costs less, pays your family, and they decide how to use it.
RMDs push you into higher tax brackets and increase Medicare premiums. Strategy: Roth conversions before 73 or donate directly to charity tax-free (QCDs).
Home health care costs $4,000-$5,500/month for full-time care. Medicare only covers SHORT-TERM skilled care, not the daily help most seniors actually need. Without planning, these costs drain savings in 2-3 years.
Need coverage until your mortgage is paid off? Term life is your cheapest option. Planning to leave an inheritance? Whole life guarantees a payout no matter when you die.
The best retirement investment? Fixed Index Annuities with GLWB riders guarantee lifetime income, protect against market crashes, and never run out—even if your account hits $0.
Term life insurance costs vary wildly between companies for the same person. One carrier might quote $40/month while another charges $65 for identical coverage. Always compare at least 3-5 insurers.
The fine print that actually matters in annuity contracts: surrender charges, renewal rates that can drop, rider costs, liquidity limits, and how withdrawals are taxed. Never sign anything without understanding these 5 details.
