The life insurance and annuity landscape has changed dramatically over the last five years. This is a free educational resource to help you understand why a fresh look can be worthwhile — and we'll connect you with a licensed, independent professional in your area who can review your situation with you.
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Products purchased even a few years ago were designed around a different interest-rate environment and an older generation of contract features. A review simply checks whether what you own still serves what you need.
Indexed annuities credit interest based on caps, participation rates, and spreads that insurers can adjust over time. An older contract may carry crediting terms that no longer reflect what newer products offer — and once a surrender period ends, you may have more freedom than you realize.
AnnuitiesMany term life policies include a valuable conversion privilege — the right to convert to permanent coverage with no new medical exam. But that right usually expires after a set number of years or a certain age. Miss the window, and the option is gone for good.
Term LifeThe last five years brought new product designs, living-benefit riders, and changing payout structures. Features that simply didn't exist when you signed your contract may now align far better with how you actually want to live in retirement.
Today's MarketWhile you're saving, only your average return matters. But once you begin withdrawing income in retirement, the order in which good and bad years arrive can dramatically change how long your money lasts — even with the exact same average return.
| Year | Return | Year-end balance |
|---|---|---|
| 1 | +20% | $570,000 |
| 2 | +15% | $625,500 |
| 3 | +12% | $670,560 |
| 4 | +8% | $694,205 |
| 5 | +5% | $698,915 |
| 6 | −30% | $459,241 |
| Year | Return | Year-end balance |
|---|---|---|
| 1 | −30% | $320,000 |
| 2 | +5% | $306,000 |
| 3 | +8% | $300,480 |
| 4 | +12% | $306,538 |
| 5 | +15% | $322,518 |
| 6 | +20% | $357,022 |
Why it matters: A market drop in the first years of retirement can force you to sell more of your savings to fund income — leaving less to recover when markets rebound. It's one of the reasons many people choose to review how their retirement income is structured. A licensed professional can walk you through the approaches that exist to help manage this risk.
There's no single right answer — only the approach that fits your goals, your health, and your peace of mind. Here's an honest look at the trade-offs of each path.
Drawing income from an invested portfolio (the "systematic withdrawal" approach).
A predictable "paycheck" you can't outlive — often through an income annuity or living-benefit rider.
We match you with a licensed, experienced retirement specialist in your area for a relaxed virtual conversation — no pressure, no obligation.
We pair you with a licensed, experienced retirement specialist who serves your area and understands your needs.
Pick a time that works for you. The meeting is virtual and takes just 15–30 minutes — from the comfort of home.
A licensed professional reviews your current retirement and life insurance strategies, then walks you through options that may better fit your goals.
Worst case? Your current strategies are perfectly placed — and you walk away with the confidence that you're already on the right track.
Either you learn about options that may better fit your goals — or you confirm you're already on the right path.
Isn't that worth a second look?
Your retirement picture is bigger than any one product. A specialist can review and advise across the strategies that shape your financial future.
Examine the caps, rates, fees, and features of your current annuities to see whether they still serve your goals.
Explore tax-advantaged 1035 exchanges of cash-value life insurance into policies that may better fit today's needs.
Take a fresh look at how your estate documents align with your wishes and coordinate with your overall plan.
Plan ahead for potential care costs with LTC strategies designed to protect your savings and your family.
Check whether your term policy's conversion window is still open — and whether permanent coverage makes sense for you.
From key-person planning to buy-sell funding and succession, explore strategies built for business owners.
It costs nothing to find out whether your current strategy still fits the life you're planning. Let's have a conversation.