Insurance & Annuities

Protecting Your Most Valuable Asset…Your Income

September 20th, 2018|

By Dan Schulte, Vice President and Manager, Annuities and Insurance

Is your family dependent on your ability to make an income now and in the future?  If the income you earn would suddenly stop, due to death or disability, could your family continue to meet their financial obligations such as paying the rent or mortgage, paying […]

Fixed Indexed Annuities Growth and Safety in Retirement

June 18th, 2018|

By Dan Schulte, Vice President and Manager, Annuities and Insurance

For many retirees, the difference between a more secure future and a more uncertain one is the success of their retirement income strategies.  Fixed indexed annuities (FIAs) can offer individuals principal protection, a death benefit for beneficiaries, and in some cases a guaranteed lifetime income stream.  […]

Indexed Variable Annuities May Provide a Buffer from Loss

June 14th, 2018|

By Dan Schulte, Vice President and Manager, Annuities and Insurance

There are times when stock market volatility leaves some investors worried about meeting their retirement goals. This has left many of these individuals seeking products that can provide downside protection with upside potential.  A product that can help give investors some degree of piece-of-mind in turbulent […]

What is Your Long-term Care Plan?

October 31st, 2017|

By Dan Schulte, Vice President and Manager, Annuities and Insurance

According to the U.S. department of Health and Human Services individuals aged 65 and older have a 70% chance of needing care at some point in their lives.1 Also, it currently costs $102,930 annually for a private room in a nursing home in the United States […]

Delay Social Security Not Retirement

October 26th, 2017|

By Dan Schulte, Vice President and Manager, Annuities and Insurance and
Theresa Fry, Senior Vice President and Manager, IRA and Retirement Plans

If you are like most pre-retirees, you may be wondering: “When should I begin taking Social Security retirement benefits?”  Americans can begin receiving Social Security retirement benefits as early as age 62. However, beginning benefits […]

Small Business Protection from Employee Death or Disability

September 27th, 2017|

By Dan Schulte, Vice President and Manager, Annuities and Insurance

All businesses, regardless of their size, have key employees that are invaluable to the success of the company.  In a small business, each employee usually has a more direct effect on a company’s profitability due to fewer employees interacting with customers, creating products, and/or performing services.  […]

Contractual Guarantees: Transfer of Risk and Peace of Mind

June 12th, 2017|

By Dan Schulte, Vice President and Manager, Annuities and Insurance

There is little argument that equities have produced impressive returns over a long period of time, but retirees and pre-retirees often begin to ask themselves questions such as, “How much risk am I still willing to take?” and/or “How afraid am I that I may run […]

September is Life Insurance Awareness Month: Are You Covered?

September 13th, 2016|

By Dan Schulte, Vice President and Manager, Annuities and Insurance

September is Life Insurance Awareness Month which is a month-long public awareness campaign sponsored by the nonprofit organization Life Happens.

According to a recent* study 1 in 3 households would have immediate trouble paying living expenses if the primary wage earner died. If the income you earn […]

When You Can’t Work, Disability Insurance Goes to Work for You

May 2nd, 2016|

By Dan Schulte, Vice President and Manager, Annuities and Insurance

How would you pay your bills and expenses if an accident or illness kept you from working and earning a paycheck? If you are like most Americans, a significant time away from work would have a devastating impact on your family. According to a recent study, […]

New “Life” for Variable Universal Life (VUL)

September 8th, 2015|

By Dan Schulte, Vice President and Manager, Annuities and Insurance

Recent tax increases are giving an old insurance idea new “life.” High-income earners are looking for new ways to minimize their tax bill when they begin to take distributions.  For these individuals, particularly parents with dependent children, using the tax advantages of variable universal life […]