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The Role of Insurance in a Retirement Plan

THE ROLE OF INSURANCE IN A RETIREMENT PLAN

LIFE INSURANCE
DISABILITY INSURANCE

Life Insurance – A Wise Investment

Not Just For Retirement

Have you thought about how your family would survive financially without you? One of the main benefits of life insurance is the ability to protect your income and retirement savings. Without it, you can deplete assets like savings, investment or retirement accounts, or even worse, having to sell a house to make ends meet.

Additional Diversification

When considering your investment portfolio, cash value life insurance can and should play a role in your diversification. When you have a policy with value, it should be considered as an asset along with the rest of your investment accounts.

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Insurance – Important Part of Plan

The perception of life insurance as part of an investment plan is that it may not valuable to the person carrying the policy before death. However, life insurance as part of your early retirement plan is a wise decision that can have many tangible benefits.

Financial Benefits of Life Insurance

Beyond the peace of mind and financial protection for your family in the event of your death, the right life insurance policy can offer additional advantages to your comprehensive retirement portfolio in the form of income, asset protection, and tax relief.

Protect Income & Savings

The right life insurance product can make sure everything you’ve worked hard for remains in your loved ones’ care. It will allow your family to maintain the same standard of living. It can also help replace assets like retirement accounts; money that you would have saved that your family was counting on for their retirement.

Tax Advantages

Our experienced advisors can share different long-term life insurance policies that can offer tax-free cash flow, tax-free growth, and a tax-free death benefit.

Current tax laws allow greater flexibility with funds that can be used for retirement income – life insurance included. This can prove especially beneficial as a hedge against ever-changing and rising taxes.

 

Additional Diversification

When considering your investment portfolio, cash value life insurance can and should play a role in your diversification. When you have a policy with value, it should be considered as an asset along with the rest of your investment accounts.

Financial Assessment

Once we get to know you and do our initial assessment, we can provide different customized options that fit your desired retirement scenario. Those choices may include a mixture of life, disability, and long-term care insurance, all of which act as security and protection in a world that offers few guarantees.

Less Worry

At Sunrise Financial Group, our advisors have in-depth training and truly care about your future. If you want to know how to retire early and protect your family and assets throughout life, we can find the right products for your goals. 

There is no greater reward for our team than knowing we are helping you go about your days with less financial worry and a solid retirement plan. Contact us now for your free, no-obligation financial consultation. We look forward to meeting you.

Free Investment & Retirement Consultation

It is our mission to help you invest with the utmost efficiency so you can grow your wealth, protect your family and assets, and know when you can retire. We want you to enjoy your days with less financial trepidation and more confidence. Contact us today for your complimentary financial assessment.

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  • The Role of Insurance in a Retirement Plan
    • Life Insurance
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*Long term and short term disability rates are determined after all necessary information has been reviewed and sent through underwriting. This is a general statement that reflects the average statistical data and is not a price quote or guarantee.

Sunrise Financial Group is an independent financial and insurance brokerage agency. Statements made on the website are for general purposes only. This information does not amend, modify, supplement, or advise any insurance, investment, or financial policy. For terms, conditions, coverages, exclusions, products, services, and programs, please refer to your policy for details and contact us to discuss specifics.

Securities offered through The O.N. Equity Sales Company, Member FINRA/SIPC, One Financial Way Cincinnati, Ohio 45242 (513)794-6794. Investment Advisory services offered through O.N. Investment Management Company.

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  • About Sunrise
    • Our Team
    • Our Mission
  • Our Services
    • Planning for Retirement
    • The Role of Insurance in a Retirement Plan
      • Life insurance
      • Disability Insurance
    • Investment Vehicles for Retirement
  • Retirement Consultation
  • Contact
  • Blog