Insurance and Annuities

Life Insurance – Annuities – Long-term Care Insurance


Life Insurance

In addition to individual coverage, life insurance products have valuable applications for business planning purposes. Through Investment Professionals Inc. Life and Annuity IPI offers clients effective solutions for needs such as income replacement for surviving family members, tax-favored accumulation for tax-free supplemental retirement income, generational wealth transfers, efficient funding of estate tax liabilities, and funding of buy-sell agreements or key-person insurance.


Annuities

The recent market volatility is driving investor interest in hybrid guaranteed products such as variable annuities with guaranteed living benefits as well as fixed annuities. These can offer the potential for asset growth, investment flexibility and access to cash as well as protection against market and longevity risks. Deferred Annuities offer tax-deferred accumulation, guaranteed returns, the ability to convert to a guaranteed income stream and avoidance of probate. IPI can help you identify traditional or new hybrid variable annuities to suit your different needs.


Long-term Care Insurance

According to the U.S. Department of Health and Human Service, at least 70% of people over age 65 will require some long-term care services at some point in their lives. But the costs of care can have potentially devastating financial effects. Long-term care insurance may be appropriate if you want to protect your assets. IPI can help you identify traditional or linked-benefit long-term care products to suit different needs.


Contact an IPI Representative for more information.

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Securities & advisory services offered through Investment Professionals, Inc., a registered broker dealer, registered investment advisor, & member FINRA & SIPC. Not insured by the FDIC, the NCUA, or any other agency of the government. Investments are not deposits or any other obligations of the bank nor are they guaranteed by the bank and involve investment risks, including possible loss of principal amount invested.