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  • Medicare Matters
    • Is a "Quote" Enough?
    • When to Begin Medicare
    • Medicare Supplement
    • Medicare Advantage - Part C
    • Medicare Part D (Drugs)
  • Retirement Matters
    • Retirement Keys
    • Retirement Objectives
    • Retirement Dollars
    • Retirement Dollars--A Deeper Look >
      • Understanding Risk
  • About Us
    • Local Partners
    • Online Documents
    • Accessibility Statement
  • More
    • Long Term Care Matters >
      • Aging Gracefully & LTC Needs
      • Stay Home? Or Not?
      • Smarter Long-Term Care
      • Social Security - When?
    • Life Insurance Matters >
      • Types of Life Insurance
    • Contact
Contact Us

Cash Value Life Insurance in Your Retirement Planning

Steady. Dependable.  Able to head off problems, and solve them, too!

The numbers could surprise you .  .  .

Cash value life insurance brightens your financial picture with flexibility, accessibility to cash values, tax-deferred
growth, and an immediate death benefit.
 
In addition, there are a number of tax-free roles that cash value life insurance can play in your retirement planning:
 
Source of Retirement Income
 
At retirement, the cash value available in the policy can be:
  • taken in a lump sum by surrendering the policy;
  • converted into a guaranteed lifetime income; or
  • periodically withdrawn and/or borrowed to supplement your retirement income --even tax-free. Efficient policies offer surprisingly large, sustained withdrawals. Withdrawals and loans ​will reduce the policy’s death benefit and cash value available for use.
 
Additional Retirement Income and Protection, too
 
At retirement, you can elect the maximum life annuity pension option from your pension plan and use life
insurance death benefits to help replace your pension income for your spouse, if you should die first. You and
your spouse then enjoy a higher pension income while both of you are alive, with the knowledge that if
something should happen to you, your spouse will have a continuing source of retirement income.
 
Accelerated Death Benefits
 
Many life insurance companies make it possible for policyholders to collect a large portion of a policy’s death benefit
early--"in the here and now", if the policyholder is terminally ill, or stricken with a specific catastrophic illness, or requires long-term care at home or in a nursing home.

​Contact us to learn more about the right life insurance for you.
(314) 260-7917
St. Charles, MO 63303​
Click Here to Email Us

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Insurance Source For Seniors 
St. Charles, MO 63303​
​314-876-7759 (for Medicare-related)
(314) 260-7917 (for all else)
​Click Here to Email Us

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Required Disclaimer: We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area.
​Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options. We only offer reputable plans with a reliable customer service component.


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