Plan for income. Protect what matters.

An annuity is an insurance contract that can provide income in retirement. Explore how payments could fit alongside your other retirement income and the savings you want to keep accessible.

• Income timing: Discuss when payments would begin, how long they would continue, and what happens to benefits after death.
• Access to money: Review withdrawal limits and surrender charges before committing money you may need for other expenses.
• Contract details: Compare fees, optional benefits, and what is guaranteed versus what can change.

A question to start withWhen will I need this income, and how much flexibility do I need to keep?

Whole life insurance is designed for lifelong protection when required premiums are paid and policy conditions are met. It also builds cash value. Start with the lasting financial needs you want your coverage to address.

• Long-term protection: Discuss the death benefit and the people you want to name as beneficiaries.
• Premium commitment: Review the payment schedule and whether the premiums fit a budget you can maintain over time.
• Cash value: Understand how it builds, which values are guaranteed, and how policy loans or withdrawals can reduce available benefits.

A question to start withWhat protection do I want to keep for life, and what commitment can I comfortably maintain?

Term life insurance provides protection for a specified period and generally does not build cash value. Discuss needs with a timeline, such as replacing income while children grow up or protecting a family while a mortgage is being paid.

• Coverage amount: Consider the income, debts, and everyday expenses the people who depend on you would need to manage.
• Term length: Discuss how long those financial responsibilities are likely to last.
• Future options: Ask what happens when the term ends, what renewal could cost, and whether conversion to permanent coverage is available.

A question to start withWho relies on my income, and how long might they need that support?