We offer a wide range of products for the consumer. Some products are essential for planning your future retirement goals, managing the risk of loss and protecting the health of you and your family. The types of products utilized to accomplish these objectives are wide ranging and are provided by major “A” rated financial institutions with assets in the billions of dollars.
Insurance is also used to supplement retirement income because the cash value can accumulate and be withdrawn on a tax free basis, assuming the policy is properly structured. This strategy, based on the Internal Revenue Code 7702 and a Supreme Court ruling in the early 1900’s, stipulates that insurance proceeds are exempt from taxation. Permanent life insurance has been an important part of retirement planning for years. Take a look at this brief video by one of the nation’s leading financial planners, Douglas Andrews.