Life Insurance and Fixed Annuities
Chambersburg, PA, Harrisburg & Allentown, PA
It’s the last thing anyone wants to think about. Losing a family member is always heartbreaking. The additional loss of a family’s primary income adds another tragedy that can result in real financial hardship at a time when additional burdens can be devastating.
A family needs time to heal and worrying about ongoing expenses won’t help.
Life Insurance provides relief from those financial burdens and help with expenses such as:
- House payments
- Automobile Payments
- School tuition
- Health Insurance
- Daily living expenses (food, clothing, insurance, daycare, etc.)
Life insurance could be the most thoughtful gift you ever give your family.
No one purchases any insurance policy with a great expectation that they’ll actually have a need for the protection it offers. It’s only when an actual loss occurs that the true value of the policy is realized. This is never more apparent than with a life insurance policy. You can even choose a policy that provides cash that you can enjoy during your later years. PDM Insurance can show you how to choose a life insurance policy that meets you and your family’s needs today and tomorrow.
Life Insurance Options include:
- Permanent Life
- Universal Life
- Whole Life
- Term Life
- Return of Premium Term Life (with this product all the premiums are returned to you at the end of the policy term)
- Fixed Annuities
- …and other options to meet your family’s needs
CLICK HERE to get your free, no obligation quote today.
Put a little stability into your retirement plan
Fixed Annuities are an excellent tool to help you support your retirement plan. These long-term investments are designed specifically for retirement purposes. Annuities offer several advantages:
- Tax-deferred earnings
- Providing an alternative retirement savings tool when IRA and 401(k) limits are reached
- Generate guaranteed lifetime income stream (dependent on various factors)
- Can help reduce the overall volatility of your retirement portfolio
Fixed Annuities also provide a death benefit that passes on to your beneficiaries and, like a life insurance benefit, there’s no risk of delay of probate or additional cost to your beneficiaries.
Fixed Annuities provide a guaranteed rate of return for a specified period of time, so you can select the guarantee period that’s right for you, based on your investment outlook and retirement income needs. All guarantees, including rates of return, are backed by the financial stability of the issuing insurance company. PDM Insurance is proud to work with the nation’s top insurance companies with excellent financial ratings.
Talk to the professionals at PDM Insurance about Fixed Annuities. They’ll help you determine if a Fixed Annuity can help support and improve your overall financial and retirement strategy.