Ltci Illinois

Financial Asset Protection for individuals through the sale of Annuities, Life and Long-Term Care insurance. We also work with companies to establish a program for long-term care insurance for their employees. The terrible decline in the stock market has made everyone concerned about their retirement funds. One of the products we work with is a fixed indexed annuity. You have the potential for growth at a higher rate without the risk of losing your principal or being directly in the stock market. Unlike a traditional fixed annuity where the insurance company sets the interest rate, an indexed annuity credits interest based partly on the upward movement of a major-market stock index. You can add an income rider which grows in value while in deferral and then, when you choose, provide income for you or you and your spouse without annuitizing.