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  LIFE INSURANCE
Whole Life

Term Life

Estate Planning

Disability

Long Term Care

Annuities


Carrier's Financial Strength:

Unlike a bank CD, annuities are not Federally insured. There may be some State guarantees against carrier insolvency, but they would only be a line of last defense. For this reason, it is important that annuities be purchased from companies with excellent financial ratings. Consumers should determine the financial ratings with a least two different rating services before purchasing. Some of the most popular rating services are A.M. Best Company, Standard and Poors, Duff & Phelps and Moody's.

Additional Information on Annuities:

Deferred Annuities
Immediate Annuities
Who Should Invest in an Annuity? -Investor Profile
Tax Deferred Accumulation
Tax Preferred Payouts
Guaranteed vs. Promises
Fees
Carrier's Financial Strength

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