More than death benefits, though, there are many life insurance policies that provide retirement and investment opportunities as well. Jacoby Risk Advisors partners with a wide range of insurance companies to find the best rates, contracts, and coverage tailored to your unique life insurance needs.
We provide a variety of life insurance options, including no-exam policies with flexible coverage, and policies offering up to $1 million in coverage. Whether you prefer a plan with or without a health exam, we can tailor a solution that fits your specific needs and goals.
We offer 412 (e) (3) Defined Benefit Plans, Traditional Defined Benefit Plans, New Comparability Profit Sharing Plans, 401 (k) Plans (including Safe Harbor plans). We offer the latest in plan design and personally design each plan for your growing business. Can you really depend on your social security checks to live comfortably after retirement? It’s never too early or late to start planning your retirement.
Whether you don’t know where to start in insuring the future for your family or you know exactly what you want, give us a call!
Our company has a wide variety of annuities that offer guaranteed lifetime income. Our annuities provide protection from negative economic conditions and the peace of mind for the future.
“The days of lifetime employment, with a generous company pension waiting at retirement, are long past for most Americans."
With an unpredictable job market and even more uncertain financial markets – not to mention spiraling health care costs - it is understandable why millions of Americans are worried about achieving a comfortable, secure retirement. Or the prospect of being able to retire at all!
Amid the pessimism and uncertainty, we – as insurance and financial services professionals – are well positioned to make a positive difference in the lives of our clients!” – Shannon Smith
If you are looking for a guaranteed paycheck or playcheck, let us provide one of the many annuities that we offer! Here at Jacoby Risk Advisors, we can show you:
Term insurance offers a death benefit and is convertible within the length of the term. Jacoby Risk Advisors partners with a wide range of insurance companies to find the best rates, contracts, and coverage tailored to your unique life insurance needs. However, in order for the death benefit to be paid, somebody has to die. It includes a fixed premium rate for a certain amount of time, the “term,” after which the policy holder can elect to renew the policy, likely at a different premium rate, or may have the option to convert to a permanent policy without proving insurability. Premiums are generally lowest with term insurance, generally lowest with term insurance, which may free income to invest elsewhere. Could term insurance be right for you?
A Signature Guaranteed Universal Life Policy (SPUL) can provide a number of solutions to life’s uncertainties by helping you manage your death benefit for as long as you live. What makes the SPUL so unique is the flexibility of the guaranteed death benefit. You can secure a customized length of the benefit, with living benefits as well as living benefits. dialable guarantees extending the policy from age 95 to as much as 121 years of age if needed! And, with living benefits like the ability to cash out your premium at certain ages, In other words, SPUL was designed so that you can make certain your loved ones are protected for as long as you live, and long after.
With an Indexed Universal Life insurance policy, you have the benefit of profiting from any gains on several indices while also having downside protection from losses in the index. This policy also allows your cash value to grow tax-deferred. This policy can be a vital tool to help your family meet its long term goals – it can provide income replacement for surviving family members, college funding or a more comfortable retirement.
The Single Premium Whole Life policy provides permanent life insurance protection that is guaranteed to be paid up for life with just one premium payment. This product builds cash value and provides an income tax free death benefit that is guaranteed for life. This benefit is dividend participating and can provide a wide variety of benefits.
Losing a child is unimaginable. A small life insurance policy on the lives of our children can take the financial burden away from such loss at a small premium per month. Children’s term riders allow parents to purchase life insurance for their unmarried, dependent children ages 15 days through 24 years. These policies typically range from $1,000 to $25,000 and offer a conversion privilege after the child turns 18 to 25 years of age.
In addition, our policies include an accelerated death benefit for Terminal, Chronic and/or Critical Illness, allowing you access to your benefits while still alive.
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