Safe Money Solutions

Is Your Retirement Insured?

What does it mean to have “Safe Money?” Is money ever really safe?  The answer is, “Yes it can be,” if you understand the options available to you.  Safe Money can be extremely safe and it can be nearly 100% without risk. Your Safe Money can also be accessible.  Safety, security and accessibility are all 100% available…if you know your options.  The most important question that needs to be answered before considering any available options is this: “What is the purpose of your Safe Money and what would you like to accomplish?”  Here are several options available to meet your Safe Money objectives.  "See Performance Chart"

An annuity is an insurance product that pays out income, and can be used as part of a retirement strategy. Annuities are a popular choice for investors who want to receive a steady income stream in retirement.  Once you make an investment in the annuity, it then makes payments to you on a future date or series of dates. The size of the payments are determined by a variety of factors, including the length of your payment period.  You can receive payments for the rest of your life, or for a set number of years.  

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Nothing in life is risk-free. But investing in indexed universal life (IUL) insurance comes pretty close.  IUL policies offer tax-deferred cash accumulation for retirement while maintaining a death benefit. People who need permanent life insurance protection but wish to take advantage of possible cash accumulation via an equity index might use IULs as key-person insurance for business owners, premium financing plans or estate-planning vehicles.


Amounts credited to the cash value grow tax deferred. The cash value can pay the insurance premiums, allowing the policyholder to reduce or stop making out-of-pocket premiums payments. Most IUL policies offer a host of optional riders, from death benefit guarantees to no-lapse guarantees. The policy is not directly invested in the stock market, thus reducing risk.


IULs usually offer a guaranteed minimum fixed interest rate and a choice of indexes. IUL insurance policies are a viable option for people looking for the security of a fixed universal life policy and the interest-earning potential of a variable policy.  

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Estate Planning

Estate Planning is the process of an deciding during their lifetime what will happen to their assets after they have passed away. This is accomplished by drafting a Will or Trust. The Assets of a person are referred to as their Estate.  

If an individual or a couple decide how they would like to dispose of their Estate and who should be responsible for administering the Estate, this becomes a legal document that is enforceable by the court.


A Will is a legal document that is executed by an individual or married couple that becomes operative upon the death of the person who created it.  The Will lists all the assets of an individual and specifies who should inherit those assets upon death. In order to transfer the assets, the Will must be admitted to Probate, which is the court process to transfer assets from the decedent to their heirs. 


A Trust is an Estate Planning Tool that transfers an individual or married couples assets during their lifetime.  In setting up a Living Trust, the person(s) creating the

Trust are referred to as the Settlors. Additionally, they are usually the initial Trustees, who are responsible for administering the assets of the Trust. Those who inherit the assets of the Trust are usually referred to as Beneficiaries.

Traditional life insurance is designed to provide security for your loved ones in the event of your premature death…but what if you have a serious heart attack, invasive cancer or a stroke and don’t die? What about financial help during critical or long-term chronic illnesses, at retirement or to offset the costs of life’s other milestones? Living Benefits Insurance offers the flexibility to receive benefits during your lifetime and the potential to access cash TAX FREE to provide money to supplement your retirement or meet other financial goals.

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"It's Life Insurance you don't

have to die to use!"

Term / Whole Life Insurance

Term insurance can be a good fit for younger individuals and families, who need protection against the loss of income of a primary earner for a stated period of time, at an affordable cost. In most cases, a medical examination will be required.  Term insurance does not build cash value, so at the end of the term, the policy will have no value.  Whole life insurance may provide protection for your entire life. Whole life insurance accumulates a cash value, and the policy owner may be able to borrow against it tax-free.


Premium Financing

Premium financing of life insurance can help high-net-worth individuals (HNWI) by maximizing use of capital, avoiding lost opportunity costs and gaining tax advantages. HNWIs are usually accustomed to using financial leverage to maximize the use of their capital, and life insurance premium financing offers another opportunity to leverage costs.


HNWIs typically need far greater amounts of life insurance than people earning lower incomes; they have larger family income needs to consider and must consider business and inheritance issues. They also have more tax concerns because their income may be subject to higher tax rates. Financing their life insurance premiums rather than paying such premiums outright can offer an opportunity to use financial leverage, retain capital and gain maximum investment returns.

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