An individualized approach to pension planning. You receive similar, but often greater and
more flexible, benefits through a specially constructed life insurance approach. This is done
in conjunction with the retirement plan, and builds on its strengths.
The objective is not, initially, to have greater monthly cash flow (though you may). The objectives usually reflect your answers to the questions in What Is Important To You?.What is the benefit to you?
The long-term result converts your pension survivor benefit costs into equity in the form of life insurance cash values,
or into asset perpetuation when the equivalent value of the retirement pension is paid in
the form of a life insurance benefit. In this way, "you and yours" receive value equal to or greater
than your retirement system's promise to pay.
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