Insurance-based retirement plans

Insurance-based retirement plans

Insurance-based retirement plans (IBRP) may be able to protect your family’s future through a death benefit while you save for retirement with the same product.

As your personal situations change (i.e., marriage, birth of a child or job promotion), so do your life insurance needs. Care should be taken to ensure your strategies and products are suitable for your long-term life insurance needs. Weigh your objectives, time horizon and risk tolerance as well as any associated costs before investing.

Also, be aware that market volatility can lead to the possibility of the need for additional premium in your policy.

Life insurance fees and charges associated with plans include costs of insurance that vary with such characteristics of the insured as sex, health and age, underlying fund charges and expenses, and additional charges for riders that customize a policy to fit your individual needs.

Quit Smoking

Great American Smokeout – Nov. 20th

Lung cancer is the second most common cancer in both men and women, but is the leading cause of cancer death in the United States. The risk of developing lung cancer is highest in smokers, but many people who do not smoke also develop lung cancer each year.

Smoking is by far the leading cause of lung cancer. At least 80% of lung cancer deaths are thought to result from smoking. Even people who don’t smoke themselves can be at risk from breathing secondhand smoke.

Quitting smoking is one of the most important things you can do for your health. The sooner you quit, the sooner your body can begin to heal. You will feel better and have more energy to be active with your family and friends.

As a part of Health Care Reform, many plans offer smoking cessation treatment under the preventive services. This treatment may be 100% covered and at no cost to the patient. Check your plan for details.

If you or a loved one smokes, we encourage you to consider quitting. It’s hardtop quit smoking, but you can do it. To have the best chance of quitting and staying a non-smoker, you need to know what you’re up against, what your options are, and where to go for help. You’ll find this information at American Cancer Society’s site here and also at

Quitting isn’t always a bad thing!

Need Strength?

It’s like the anonymous poet’s profound admission:

I asked God for strength, that I might achieve; 
I was made weak, that I might learn to humbly obey.
I asked for health, that I might do greater things; 
I was given infirmity, that I might do better things. 
I asked for riches, that I might be happy; 
I was given poverty, that I might be wise. 
I asked for power, that I might have the praise of men; 
I was given weakness, that I might feel the need of God. 
I asked for all things, that I might enjoy life; 
I was given life, that I might enjoy all things. 
I got nothing that I asked for, 
But everything I had hoped for. 
I am, among all men, most richly blessed.