Sears Insurance

  • About Us
  • Contact
  • Blog
  • Health
    • Good to Know
    • ACA
    • Individual under age 65
    • Individual over age 65
    • Large Group (51+ lives)
    • Small Group (1 – 50 lives)
  • Dental & Vision
  • Disability
  • Life
  • Long Term Care
  • Strategic Alliances
  • Publications
  • Newsletter
  • Testimonials
  • WELLMARK MEMBERS NOW HAVE $0 COST SHARE FROM HOME

Can You Afford to Gamble – Can You Afford to Retirement – Safe Income Options Are Essential

Uncategorized
An important part of my responsibilities as an insurance professional is educating the public on the value of annuities and the ways they can contribute to a financially secure retirement.
First of all, there are several types of annuities. The particular annuities that I market, offer guarantee of principal, tax-deferral, handsome compounding due to the tax-deferral, easy access and a guaranteed income for life if one chooses. I do not represent the types of annuities that can lead to unprotected principal, taxes or fees.  We prefer safety – the old adage a “bird in hand is worth two in the bush”.  Our ability to recuperate a loss plus what the potential earnings could have been(often referred to as lost opportunity) is just not going to happen – particularly in retirement years.
In today’s world there is the need for guaranteed income in retirement.  Fewer companies are offering pension plans and with increasing life expectancy, retirees face a growing gap between income they can count on and expenses they expect to face after they stop working. Business owners that are used to the “expense account” that was a part of their culture, now have expenses and lifestyles that require after tax dollars.  The inflation on goods and services also continue to grow.  What seems like a large safe amount of cash today soon depletes as inflation continues.
Annuities can offer predictability, no direct downside market risk, and the potential for guaranteed income — attractive benefits to clients searching for ways to leverage assets and build a more stable and quality future.
We are an independent insurance agency started 40 years ago, here in Des Moines.  We are very particular about the companies that we choose to represent.  EMC National Life Company is over 100 years old – local –  here in Des Moines, IA.  They are quality through and through.

 

Related Posts Plugin for WordPress, Blogger...
Debbie SearsMay 11, 2015

Post navigation

Breakfast, Business & More → ← National Mental Health Awareness Month

Related Posts

Permanent Life Insurance

Permanent life insurance is also referred to as whole life. Whole life is by no means the least costly, but it is insurance that you cannot outlive. The goal with […]

Term Life Insurance

Is just that. It has a start and an end date. Term insurance is used for specific intentions such as covering a mortgage or seeing a child through college years. […]

Get Your Valentine a Belated Gift From the Heart with Life Insurance

Let me explain why. Life insurance is not for you. It’s for those that you love. And we all need it. As our life changes from being so poor that […]

Life Insurance Awareness Month

September is Life Insurance Awareness Month to help educate Americans about the importance of life insurance and as a rallying point for the industry. Please take the time to listen […]

Recent Posts

  • HEALTH INSURANCE TRENDS Since the COVID-19 Pandemic
  • EMPLOYERS HAVE MUCH TO CONSIDER When Creating Their Team
  • 2021 BRINGS A FEW NEW CHANGES for Individuals and Business Owners
  • HEALTH CARE INSURANCE CHOICES ~ Ok, Boomers, this one’s for you!
  • HEALTH CARE INSURANCE CHOICES

Recent Comments

  • Debbie Sears on Is My Group Health Insurance the Right One for My Business?
  • Back pain relief on Is My Group Health Insurance the Right One for My Business?
Powered by WordPress | theme Diamond