Insurance Solutions

Insurance solutions can indeed help meet a variety of retirement goals.

Here are some options you might consider:

Annuities:

These can provide a steady income stream for life, helping to ensure you don’t outlive your savings. There are different types of annuities, such as fixed, variable, and indexed, each with its own benefits and risks.

Life Insurance:

Beyond providing a death benefit to your beneficiaries, certain types of life insurance, like whole life or universal life, can also accumulate cash value that you can access during your lifetime.

Living benefits within Insurance Products as a free Rider:

This helps cover the costs of long-term care services, which can be a significant expense in retirement. It can protect your savings and provide peace of mind knowing you have coverage for potential future needs.

Medicare Supplement Insurance:

Also known as Medigap, this can help cover healthcare costs not covered by Medicare, such as copayments, coinsurance, and deductibles.

Each of these solutions has its own set of advantages and considerations. We’ll work with you to determine which options align best with your retirement goals and risk tolerance.

At Epiphany Retirement Solutions, we understand that retirees have different concerns and needs:

Market Loss Impact: Some retirees worry about how market losses might affect their future income and assets.
Reliable Income Stream: Others seek a dependable income stream to ensure financial stability.
Underestimating Market Loss: Some may not fully grasp the potential impact of market losses on their retirement plans.

To address these concerns, we offer a range of insurance solutions designed to protect more than just your physical assets—they can also safeguard your financial future. Whether these solutions are right for you depends on your unique retirement goals.

Our firm helps individuals protect their retirement assets while still achieving growth by incorporating various insurance products into their retirement strategy.

With the right strategy, you can potentially grow your money through the use of fixed annuities and life insurance. We can help you create a dependable and sustainable source of retirement income to use now, in the future, or whenever you need it most.

Here are some of the services we offer, or we can refer you to a trusted financial services professional who does:

Fixed and Fixed Indexed Annuities: Provide a steady income stream and protect against market volatility.
Life Insurance: Offers death benefits and can accumulate cash value for future use.
Long-Term Care Insurance: Covers the costs of long-term care services, protecting your savings.
Health Insurance: Ensures you have coverage for medical expenses.
Medicare Supplements: Helps cover healthcare costs not covered by Medicare.

*Annuities are designed to be long-term insurance products. Early withdrawals may impact annuity cash values and death benefits. Taxes are payable upon withdrawal of funds. An additional 10% IRS penalty may apply to withdrawals prior to age 591⁄2. Income benefit riders may be offered either built-in or for an additional cost. Annuities are not guaranteed by FDCI or any other governmental agency. Keep in mind that most file insurance policies require health underwriting and, in some cases, financial underwriting. Guarantees are based on the claims paying ability of the issuing insurance company. Fixed Indexed Annuities are insurance products and not considered a security or investment. Some restrictions may apply. We are not endorsed by, or affiliated with, the Social Security Administration or any other government agency. Call for specific details and availability.