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Financial products designed to provide income during retirement. Depending on the type, an annuity may provide guaranteed income for a specified period or for life, while offering different options for growth, income, and protection.
A document that provides certain information about a revocable trust without requiring the entire trust document to be presented. It can help financial institutions and other parties verify the trustee's authority to manage trust assets.
A comprehensive organizational tool designed to help identify, organize, and coordinate assets, accounts, insurance policies, beneficiaries, and important financial and estate-planning documents so your retirement and estate plans work together more effectively.
Disability income insurance can help replace a portion of your income if an illness or injury prevents you from working. Coverage can help protect your ability to maintain your lifestyle, meet financial obligations, and continue preparing for retirement.
Legal documents that allow you to designate someone to make financial or other decisions on your behalf if you become unable to do so. The scope and effectiveness of a power of attorney depend on its specific terms and applicable law.
A form of permanent life insurance that combines a death benefit with a cash value component. Cash value growth is linked in part to the performance of a selected market index, subject to the policy's terms, limits, and credited-interest rules.
A legal document that communicates your wishes regarding the distribution of assets and other matters after your death. A will can also address guardianship wishes for minor children. It does not generally avoid probate by itself.
Documents that allow you to communicate your wishes regarding medical treatment and end-of-life care and may designate someone to make healthcare decisions on your behalf if you are unable to do so.
Long-term care planning helps prepare for the potential costs of extended assistance with daily activities or ongoing care. Long-term care insurance may help cover eligible expenses according to the policy's terms, conditions, and benefit limits.
An estate-planning arrangement that allows you to place assets into a trust during your lifetime while generally retaining control of them. A properly established and funded trust can help manage assets during incapacity and may help avoid probate for assets held in the trust.
Life insurance that provides coverage for a specified period of time, such as 10, 20, or 30 years. Term life insurance can provide affordable protection for income replacement, mortgages, education expenses, and other financial obligations.
Permanent life insurance that combines a death benefit with a cash value component and generally offers flexibility in premium payments and death-benefit options, subject to the policy's terms, costs, and requirements.
Permanent life insurance designed to provide lifelong coverage when policy requirements are met. It typically includes a guaranteed death benefit and cash value accumulation, with premiums and benefits determined by the policy's terms.
A financial strategy designed to help families use life insurance and other financial tools as part of a long-term plan for managing debt, building assets, and improving financial efficiency. Results depend on individual circumstances, product selection, funding, and disciplined implementation.
