Insurance

CaptiveInsurance

Life Insurance Products

Annuities and life insurance, both issued by insurance companies, are key elements in a balanced investment and retirement portfolio. The professionals at Bedrock Investment Advisors, LLC can help you select the most suitable life insurance and annuity products for you and your family. We continuously monitor the insurance industry and investment marketplace to keep up-to-date on the best companies and products to meet client needs. We look for carriers that are highly rated by Standard & Poor’s as well as AM Best.

Explore Life Insurance Options

Taking into account your age, health, and investment objectives, we’ll identify one or more specific products that address your needs as well as insurance providers well-positioned to provide cost-effective protection for your family or business. During this review, we’ll also explore whether a number of new insurance options might be applicable to your situation. For example, you might want to consider Return of Premium term life insurance, which is designed to refund all paid premiums at the end of a term contract if no death benefit has been paid out. Alternatively, you might find interest in Indexed Universal Life insurance, which offers the upside potential of market indexes while minimizing downside risk.

Consider Fixed & Indexed Annuities

Tax-deferred annuities have long been viewed as a key consideration in a balanced retirement portfolio. For seniors or those approaching retirement, fixed-income annuities, in particular, merit serious consideration.
A fixed-income annuity is a retirement income product that provides you, or you and your spouse, with a reliable, guaranteed income stream for life or for a set period of time, subject to the claims-paying ability of the issuing insurance company. Taxes on annuity gains are deferred until you start withdrawing assets in retirement, at which time you may benefit from a lower tax bracket.In reviewing the types of annuities that might work well for you, we’ll also explore the merits of equity-indexed annuities (EIAs), which offer market potential without risk to principal or earned interest. EIAs are a hybrid investment-and-insurance product that promises investors a piece of any stock market gains while limiting downside risks when the market falls. They earn interest linked to a stock or other equity index such as the Standard & Poor’s 500 Composite Stock Price Index (S&P 500). By employing hedging strategies, insurers offering EIAs limit both the upside potential and downside risks for investors.

  • Guarantees are subject to the claims-paying ability of the issuing insurance company
  • Fixed annuities may not be for everyone. There are fees and expenses associated with fixed annuities that may not be apparent with other fixed income investments. You should make sure you fully understand the annuity before purchasing the product.
  • The S&P 500 Index is an unmanaged index tracking stocks of large-cap companies. It is not possible to invest in the index.