Fixed Annuities

Fixed annuities are like tax-deferred CD's, except they are insured up to $250,000 by the Illinois Guarantee Association and not by FDIC.  They offer 3,5,7 & 10 year fixed maturities.  Most permit interest to be withdrawn freely.

Fixed Indexed Annuities are tax deferred retirement savings accounts that allow you to select multiple index strategies to tie your returns to.  Some also provide guaranteed income streams and/or legacy benefits.  Except by taking withdrawals, these account can never experience any losses due to negative market perfromances!

Asset Based Long Term Care insurance is the best solution for all your home care, skilled care or nursing home care needs.   Tradional/insurance based long term care is quickly becomng extinct due to rising costs exceeding carrier's claim payment capabilities.  

Term Life insurance can protect you for 5,10,15,20,25 and even 30 years.  The rates will never change for the duration and some even give a full refund if you survive!

Whole life, Universal life and Indexed Universal life are the most common forms of life insurance used to protect individuals and families throughout their entire lives.  They can build cash values, offer tax-free loans and can provide a tax-free benefit.

Many people find out later in life that they no long need or can afford their existing life insurance policies.  I work with about 20 settlement brokers that will purchase your life insurance policies and pay you 15-30% of the face value.