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Retirement planning
It's never too late for a retirement plan.
Retirement is easier to plan when you can see the numbers. Start with our free estimate, then talk with an advisor about the insurance part of your plan.
Live well now and in retirement.
Retirement income often comes from several places: Social Security, workplace plans, personal savings, and sometimes insurance products such as annuities or the cash value of a permanent life policy.
We do not manage investments. We help you understand where insurance fits, and we work alongside the professional who handles your investments.
Real talk about retirement planning.
If you're not a financial pro, we'll get you there.
We explain every term in plain language.
We make it easy to talk about your finances.
No judgment, no pressure, no obligation.
Am I on track for retirement?
Questions about retirement planning? We've got answers.
How can an advisor help me with retirement planning?
An insurance advisor can show how life insurance, annuities and long-term care coverage fit around the savings you already have, and what each one costs and does.
What are the key aspects of retirement planning?
When you want to stop working, how much income you will need, where it will come from, how long it has to last, and how you will cover health and long-term care costs.
Who should consider retirement planning?
Anyone who plans to stop working one day, whether retirement is 3 years away or 30.
How does retirement planning work for self-employed people?
Self-employed people have no employer plan, so they build their own income sources and protection. Income protection and life insurance matter more because no employer benefits back them up.
How much do you need to retire?
It depends on the lifestyle you want, your other income and how long retirement lasts. Our retirement calculator gives a starting estimate.
What are the best retirement plans?
There is no single best plan. Workplace plans, IRAs and insurance products each have different rules and costs. A registered investment professional can advise on investment accounts; we can explain the insurance options.
How do I figure out the best investment strategy for retirement?
We do not give investment advice. Talk with a registered investment adviser. We can coordinate with them on the insurance side.
How do Social Security benefits fit in?
Benefits depend on your earnings history and the age you start them. Check your own estimate at ssa.gov, then plan the rest of your income around it.
When should I start retirement planning?
As early as you can. Time helps, and insurance is usually cheaper when you are younger and healthier. If you are starting late, a plan still helps.
How can I get started?
Try the retirement calculator, then tell us your goal and an advisor will follow up.
What if I outlive my retirement savings?
This is called longevity risk. Some people use guaranteed lifetime income products such as annuities for part of their income. Ask about the costs, limits and the carrier's strength.
Can an advisor help me plan for medical expenses?
We can explain long-term care coverage, which helps with care costs that Medicare generally does not cover. We do not sell Medicare plans on this page.
What is a qualified retirement plan?
It is a plan that meets federal rules for tax advantages, such as many employer 401(k) plans. Ask your plan administrator or a tax professional for details.
What does a retirement plan cost?
Planning with us is free. Products have their own costs, such as premiums and fees. We show you those before you decide.
How do I choose the best life insurance for my retirement plan?
Start with what the policy needs to do: replace income, pay debts, leave a legacy or cover final expenses. Then compare term, whole and universal life for cost and fit.
Get matched with an advisor in four easy steps.
- Choose your goal
- Tell us about you
- Share your name
- Tell us how to reach you
The key to a fulfilling retirement? A smart plan.
- Protect the people who depend on your income
- Make the most of what you have already built
- Prepare for the costs of care later in life
Retirement calculator
How much do you need to retire the way you want?
The Assureanchor difference
Licensed advisors
You talk with a licensed insurance professional, not a call center script.
Plain language, no pressure
We explain every option and you decide when you are ready.
More than one carrier
We compare coverage from the carriers we work with, side by side.
Check out more on retirement planning
Coming soon
What to Ask Before You Buy Life Insurance
Coming soon
Term vs. Whole Life: Which Fits Your Family?
Coming soon
How Much Life Insurance Do You Need?
Tools and guides
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This page is for general education. It is not insurance, legal, tax or investment advice. Assureanchor is a licensed insurance agency and does not provide investment management, legal or tax services. Products available depend on our licenses, our carriers and your state.
Talk it through with an advisor.
A licensed insurance advisor will answer your questions and explain every option. No pressure and no obligation.