Annuities are a part of a solid retirement plan to provide lifetime income that not only accounts for traditional life expectancy, but beyond.

By definition, an annuity is a long-term savings plan that can be used to accumulate assets on a tax-deferred basis for retirement and/or to convert retirement assets into a stream of income.

There are several different types of annuities and annuities are classified in several different ways, including:

· When annuity payments begin

· How premiums are paid

· How annuity premiums are invested

Long-term care refers to a range of medical and personal services that provide ongoing care for people who have lost the ability to live independently. Perhaps you know someone or have had a personal experience with a loved one who needed extended health care. How you prepare for that possibility directly impacts the security of your entire portfolio, and can pose one of the greatest threats to your retirement income security.

Advances in medicine, technology and health awareness have allowed us to live longer. However, with greater longevity comes the risk of eventually needing some type of extended health care. As health care costs continue to rise, more and more people are wisely deciding to assign the risk of needing long term care (and the financial impact that comes along with it) to an insurance company through a hybrid life and long-term care insurance policy.

These policies can be individually tailored to protect your assets now and in the future for a variety of situations. They can help cover the costs of long term care, they can provide emergency funds when you need access to liquid assets, and they can provide a financial legacy that you can leave to your loved ones.

While we spend a great deal of time working to succeed in our careers and businesses, few of us think about ensuring that we have a safety net to fall back on should we become disabled. A disability can have a dramatic impact on your lifestyle, your business—even your retirement.

From covering loan payments to keeping pace with business and living expenses, our customized disability insurance programs can effectively replace a portion of your earned income in the event of an accident or illness. To ensure that your coverage is tailored to your specific requirements, we work closely with you to incorporate appropriate features such as:

· Cost of living options to help your benefits keep up with inflation

· Choice of payment options, waiting periods, benefit periods, and monthly benefit amounts

· Riders that can help you customize coverage to accommodate specific needs and objectives