Tax Advantages That Maximize Growth

Both annuities and permanent life insurance offer tax-deferred growth, meaning your money can grow faster without being taxed each year. This gives your nest egg a boost, and with strategic planning, you can even reduce your taxable income in retirement.

Bonus: Life insurance payouts are typically tax-free to beneficiaries.

3. Protect Your Legacy With Life Insurance

Life insurance doesn’t just protect your family if you pass — it can also be part of your retirement income strategy. Some policies allow you to access cash value while you’re still alive, helping with medical expenses, emergencies, or even funding a dream.

And when the time comes, your policy creates a tax-free inheritance for your loved ones.

4. Balance Flexibility and Security

Annuities provide structured, steady income. Life insurance adds flexibility and protection. Together, they create a powerful blend: one gives you financial peace of mind while you live, and the other supports your family after you’re gone.

This combo is especially important if you’re self-employed, own a business, or don’t have a traditional pension.

5. Customizable to Fit Your Goals

Not every solution is one-size-fits-all. You can choose between term or whole life insurance, fixed or indexed annuities — all tailored to your risk tolerance, family needs, and retirement timeline.

With the right guidance, this strategy can work for anyone — not just the wealthy.