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Retirement/Income Planning

When it comes to retirement and income planning, don't leave anything to chance! Make sure your money outlives you and not the other way around. Supplement your retirement with tax free income through an IUL or create an income stream that you cannot outlive with an Annuity. Did you know that pensions and social security are both actually Annuities? While there's no idea to really know how long your money in your traditional retirement accounts will last, with an Annuity you have a reliable guaranteed source of income for life.

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Retirement/Income Planning Provided By Our Agency

IUL's and Annuities are both important financial tools to have in place for the future. IUL's are versatile and flexible life insurance policies that provide a safety net for you and your loved ones for life's uncertainties such as premature death or illness, while also being a robust vehicle to grow and preserve capital for tax free income stream in retirement. Annuities protect your from the risk of outliving your money by providing a guaranteed stream of income that you cannot outlive. Each are distinct elements of your portfolio covering different types of risks.


They’re long-term contracts from an insurance company where you invest your money. In return for your investment, you get income in the form of regular payments.

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Indexed Universal Life Insurance

Indexed Universal Life Insurance policies are flexible premium permanent life insurance policies that use indexing to help you capture the upside of the market while providing downside protection by eliminating market risk. Section 7702 of the IRS Tax Code states that proceeds from a life insurance policy, including the cash value in permanent life insurance products, receive favorable tax treatment. If structured properly for maximum cash accumulation, you can take advantage of the tax code to create a formidable stream of income later in life tax free, while still providing your family with a death benefit. We specialize in IUL's here at Community Life Agency. Find out if an IUL is right for you!
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Lets know more about Retirement/Income Planning? Visit us to understand better

It might be time to switch insurers whenever the service that your existing insurer provides doesn’t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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Community Life Agency

We extend coverage to individuals and businesses in Allen Park, MI and surrounding areas.
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