Investments & Insurance

Your Guide to Investments & Insurance

Client Centered

When you’re building wealth, it’s important to pay attention to your investments. You want to diversify your portfolio and manage the performance of your assets. It’s also important to select the right insurance products for your situation. Our financial advisors understand how to balance insurance and investments to help you pursue your goals. 

Insurance is there to protect you, your family, and your financial assets. Insurance can provide for your loved ones when things don’t turn out as expected. Some insurance products can also provide an income stream in retirement or act as an emergency source of cash.


An annuity is an insurance product commonly used to provide predictable cash flow. For example, you may use annuities in retirement to receive a fixed income. Annuities can be part of a retirement distribution plan, but they can also supplement other income sources. Fixed annuities offer a fixed payout, while variable annuities combine the security of an income source with the option to earn interest on your investment.  

Fixed and Variable annuities are suitable for long-term investing, such as retirement investing. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply. Variable annuities are subject to market risk and may lose value.

Term Life Insurance

Term life insurance is the most affordable option for life insurance. It provides a death benefit and lasts for a specified term, such as 20 or 30 years. This type of life insurance policy protects your family and dependents while they need your financial support. Premiums vary, depending on your age and health. Even if you also have a permanent life insurance policy, term life is a great option for supplementing the expected death benefits at an affordable cost. 

Permanent Life Insurance

Permanent life insurance includes a death benefit, but it also builds cash value over the life of the policy. You can borrow against a permanent life insurance policy, and you can also withdraw cash. This makes permanent or whole life policies a valuable investment tool. It provides you with an emergency cushion, and you can use it to supplement your retirement income. 

Umbrella Policies

When you’ve built significant wealth, it’s even more important to take the steps to protect it. Umbrella policies are crucial for extending the liability coverage of your homeowner’s and automobile policies. The more insurance protection you have, the better. With the right insurance policies, your hard-earned wealth is not on the line, even if someone files a lawsuit against you for whatever reason. 

FAQs about Investments & Insurance

What Type of Insurance Do I Need?

What type of insurance policy you need depends on your specific circumstances. Most people benefit from having a life insurance policy. You can purchase permanent and term policies to offer maximum protection and invest in your future. You can use annuities to provide a stable income source, and you’ll want liability insurance to protect your wealth. Our financial professionals can help you determine which insurance coverage is right for you.

How Can I Protect My Wealth?

Using the right insurance product is a great way to protect your wealth. For example, you can use options and futures to reduce your stock market risk. Liability insurance protects your wealth from legal claims made against you. You can also use permanent life insurance as an investment product and financial safety net. 

What’s the Best Life Insurance Policy for Me?

Combining a whole life policy with term life insurance probably offers you the most affordable protection while still allowing you to build significant savings. A term life policy is usually the cheapest option, but a permanent life insurance policy offers the best long-term solution to supplement your retirement income and provide a rainy-day cushion. 

We’ll Guide Your Insurance & Investment Decisions

Decisions about your investments and insurance policies are complex. There are multiple options to consider and not every investment and insurance product is right for you. Our financial advisors are here to guide your insurance and investment decisions. Call us today to schedule an appointment. 

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