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Retirement Planning

from Premier One Insurance

Retirement Planning and Investment Services

Not everyone thinks of asking an insurance agent about retirement planning, but at Premier One Insurance, we consider retirement investments a type of insurance within themselves. Investments are insurance for the future, and the insurance agents at Premier One Insurance enjoy helping customers prepare for retirement with IRAs and annuities as well as life insurance policies that can also act as investments.

Individual Retirement Accounts

Commonly known as IRAs, these investment options are great ways to prepare for the future. Designed to help individuals save for retirement, IRAs are an investment to which anyone with taxable income can contribute. There are different types of IRAs, and the right product for you will depend on your personal circumstances.

  • A traditional IRA allows for tax-free compound growth, and taxes are paid upon withdrawal.
  • A Roth IRA is an after-tax investment that provides the option for tax-free income in the future provided the account has been held for a minimum of five years and the owner is at least 59 ½ years old at the time of disbursement.
  • IRA rollovers are designed for individuals in transition, especially those desiring to consolidate retirement plans.

Annuities

Many individuals near or just entering retirement today are concerned about outliving their income. Annuities provide an excellent solution to this problem. These long-term contracts made with insurance companies are designed to accumulate assets and provide retirement income. Premier One Insurance provides a number of annuity options through several different insurance carriers. Customers can

  • Invest a single lump sum or pay investments over time
  • Receive distribution payments starting on setup or at an agreed-upon date in the future
  • Select fixed, variable or indexed rates of return

Life Insurance

Premier One Insurance also offers a full menu of life insurance products, some of which are excellent means of investment. Whole and universal life policies build cash value against which customers can borrow. In addition to providing a death benefit, these policies are ideal for those concerned about outliving their savings or retirement income.

Louis Pasteur once said, “Chance favors the prepared mind.” The insurance agents at Premier One Insurance prefer not to leave retirement preparation to chance. A little planning today can create a better future tomorrow. For more information, interested individuals can complete the online quote form or call our office during business hours.

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