Looking at Index Life Products

Have you considered a universal life policy for your investment needs. Some great products exist which are tied to the S and P 500, but have guaranteed minimums so your principal and some earning power are protected - even in the worst case.

Many solid examples show these products outperform tax qualified products as long term retirement plans - and generally they are offered in places like schools and hospitals and supplements or alternatives to tax qualified plans.

Of course, you need to contact an insurance professional in your own state - and time - for the latest news - but you should think about advantages of non-tax qualified plans.

Why should a senior consider an immediat annuity

There are many reasons that individuals might consider an immediate annuity. An immediate annuity is one in which one single lump sum is made to fund an account, and then the individual can start taking out payments right away.

If you are already retired and need the income to live on consider:

An annuity can.....
Help protect you against outliving your assets. Social security pays retirement income for as long as you live, as do defined-benefit pension plans. But the only other source of income available that continues indefinitely is an immediate annuity.
Help protect your assets from creditors. Generally the most that creditors can access is the payments from an immediate annuity as they’re made, since the money you gave the insurance company now belongs to the company. Some state statutes and court decisions also protect some or all of the payments from those annuities.

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