Financial Services (Retirement Plans, Fixed Annuities & Life Insurance)

Retirement Plans (Retirement Plans – All Types Described (Fixed Annuity Funded)

• 403(b)/TSA (for teachers and hospital employees – Fixed Annuity Funded)
• IRA, ROTH IRA & Educational Savings Accounts (Fixed Annuity Funded)
• 401(h) – A Medical Expenses Plan for Owner Employees

Seniors & Financial Conservatives:

• Sound Ways to Chart Your Financial Future

Fixed Annuities:

• Fixed Annuities – Important General Disclosures
• Fixed Indexed Annuity (“FIA”) – Concept & Disclosures (Growth/Asset Accumulation)
• Declared Interest Rate Fixed Annuity
• Flexible Premium Fixed Annuities
• Fixed Annuities with Principal Guarantees
• Single Premium Fixed
• Single Premium Immediate Annuity – “SPIA” (Income)

Life Insurance (Cash Value & Term):

• Life Insurance TYPES Explained – (TERM Life, ROP Life & CASH VALUE Life, UL, FIL, etc.)
• Cash Value Life Insurance (Whole Life; Universal Life; Guaranteed UL or Fixed UL, etc.)
• Life Insurance – Asset Accumulation Plans (“LIAAPs”)
• Life Settlements – Alternative to Lapsing Older Life Policies or Policies No Longer Needed

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