Instead of approaching retirement planning as an overwhelming task that you must conquer all in one day, think about breaking it up into smaller, more manageable steps. One of the first steps to help you move forward is to work with a licensed insurance agent.

LifeAnswers can help you achieve the retirement you’ve always wanted. With the support and guidance of an insurance professional, you can:

  1. Better understand your finances. One of the jobs of an insurance agent is to help you translate the ins and outs of retirement planning so you’re more likely to achieve your retirement goals. Working with an insurance agent can help you understand your current situation and make adjustments to help you meet your objectives – now and later in retirement.
  2. “Get real” about your financial health. An insurance agent may ask you some thought provoking questions that will help you identify your true goals and expectations.
    • How much have you saved for retirement?
    • Have you planned for the expense of caring for an aging parent?
    • Are you prepared for to pay for potential longterm care expenses?
    • What kind of life do you want to live in retirement?

    You may feel a bit uneasy when confronted with these types of questions. But that’s the point of working with an insurance agent – to be honest and realistic about where you are now and where you want to be during your golden years.

  3. Review a variety of options. One of the many advantages of working with an insurance professional is that you will be presented with several different options to achieve your goals. Since no two people are exactly alike, retirement plans shouldn’t be either. Once you and your insurance agent have completed a thorough needs analysis, he or she will be able to layout several options that can work for you and your budget.
  4. Receive unbiased advice. Insurance professionals are very knowledgeable about the industry and the different companies that exist in the marketplace. Plus, they have worked with numerous clients and know which products and providers offer the highest customer satisfaction. You will be able to ask questions and find out all you need to know to make you more comfortable with the retirement planning process.
  5. Build a retirement plan based on your individual needs and goals. Since there isn’t a cookie cutter retirement plan that can work for everyone, an insurance agent’s guidance is essential to creating the customized solution for you. An insurance agent can help ensure you have the most suitable products and tools to strengthen your retirement nest egg. And of equal importance, he or she can design a personalized strategy to help make sure you don’t outlive your savings.
  6. Make informed and educated decisions. One of the most important jobs of your insurance professional is to educate you on all the advantages and limitations of the retirement solutions available to you. Insurance agents can also dispel any myths and misconceptions you may have and give you a well-rounded understanding of all product features so you are confident you are making the most informed decision. Working with an insurance professional can turn a sometimes challenging process into a positive and empowering experience.

Retirement planning doesn’t have to be intimidating. When you work with an insurance professional who understands you and your objectives, you can feel good knowing you’re working toward a comfortable future.

LifeAnswers can help keep you on track to achieving your retirement goals.

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This material has been prepared for informational and educational purposes only. It is not intended to provide, and should not be relied upon for, accounting, legal, tax or investment advice. Please consult with a professional specializing in these areas regarding the applicability of this information to your situation.

Guarantees provided by life insurance products are subject to the financial strength of the issuing insurance company; not guaranteed by any bank or the FDIC. Guaranteed lifetime income may be available through the purchase of an optional lifetime benefits or income rider, for which an annual premium is charged.