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Our Services: Insurance, Retirement, and Annuities
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Our Services: Insurance, Retirement, and Annuities.
At A-List Financial Services and team, we understand that planning for retirement and securing your financial future can seem daunting. That’s why our team of experienced professionals is here to guide you every step of the way. When you partner with us for your insurance, retirement, and annuity needs, you can feel confident that you are making the best choices for your unique situation.
Benefits of Planning for Retirement & Annuities
Planning ahead with annuities and retirement strategies offers many advantages:
The income provided by annuities can serve as a foundation for financial security in retirement. Annuities provide a steady stream of income that lasts for life, helping protect against the risk of outliving your savings. This reliable income source gives you peace of mind to cover essential expenses throughout your retirement years.
In addition to financial security, annuities provide peace of mind. You can relax knowing your income stream is protected from market volatility. Annuities allow you to spend your golden years enjoying life rather than worrying about money.
With the fixed payments provided by annuities, you are shielded from inflation eating away at your purchasing power. The income keeps up with rising prices so you can maintain your standard of living.
Our Life Insurance Services
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Term Life Insurance
At A-List Financial Services and team, we understand that planning for retirement and securing your financial future can seem daunting. That’s why our team of experienced professionals is here to guide you every step of the way. When you partner with us for your insurance, retirement, and annuity needs, you can feel confident that you are making the best choices for your unique situation.
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Whole Life Insurance
Whole life insurance provides permanent protection and an opportunity to accumulate a guaranteed cash value. This enduring policy delivers a consistent death benefit while facilitating tax-deferred savings. With fixed premiums throughout the policy’s life, you can plan your finances effectively and with peace of mind.
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Universal Life Insurance
Universal life insurance offers flexible long-term coverage. This type of policy allows you to adjust the timing and amount of premiums paid (within limits) and modify your benefits as your needs change. It provides a guaranteed death benefit and an adjustable cash value. We will customize a plan that aligns with your evolving needs and budget over the long run. You also have the flexibility to tap into the policy’s cash value, if necessary, through policy loans.
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Variable Universal Life Insurance
Variable universal life insurance offers long-term coverage with an investment angle. While the death benefit is guaranteed, the policy’s cash value varies with the performance of your chosen investments. This policy could be your ticket to aggressive savings growth while maintaining the protective framework of life insurance.
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Accumulation-focused Life Insurance
Accumulation-focused life insurance is a multi-tasker. Not only does it provide a guaranteed death benefit to protect your loved ones, but it also helps build long-term savings that can supplement your retirement income. With our guidance, you can structure your policy to optimize tax-deferred cash accumulation, ensuring a comprehensive cover for your diverse needs.
Our Annuities Services
In addition to insurance protection, we offer various annuity products to generate guaranteed retirement income. Our annuities provide predictable streams of income and help shield your savings from market volatility. We have extensive knowledge regarding different types of annuities and how to select the right one based on your timeline, risk tolerance, and income needs.
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Variable Annuities
A variable annuity allows you to invest your premiums in underlying investment options. The value of your annuity fluctuates based on the performance of those investments. We help you choose portfolios aligned with your risk appetite. While variable annuities carry some market risk, they offer the potential for higher returns than fixed annuities in exchange.
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Fixed Deferred Annuities
Fixed deferred income annuities provide steady, predictable growth on your contributions. Your principal and earnings are locked in and guaranteed by the insurance company. We help you select a fixed deferred annuity to generate a reliable stream of income starting at some point in the future, such as retirement. These low-risk annuities ensure you receive the full value of your investment plus interest.
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Immediate Income Annuities
Immediate income annuities begin paying out a guaranteed income stream right away after a single premium payment. We help you determine the appropriate lump sum to invest in order to generate the monthly income you need. These annuities provide regular payments for life or for a set period, ideal for retirees seeking a pension-like cash flow. Immediate annuities provide certainty during your golden years.
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Riders and Guaranteed Future Income Annuity
In addition to standard annuities, we offer optional riders and a Guaranteed Future Income Annuity (GFI) to provide even more flexibility and security. Riders allow you to customize your annuity by adding features like a guaranteed monthly income, withdrawal benefits, and principal protection during market downturns. Our GFI guarantees you income in the future based on the claims-paying ability of the insurance company. These extras give you more control over your retirement funds.
Our Disability Insurance Services
We provide customized disability insurance to replace lost income if injury or illness prevents you from working. Our agents thoroughly assess your needs before recommending plans to keep you financially secure when faced with a disability.
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Individual Disability Insurance
Individual disability insurance offers flexible definitions of disability, benefit periods, and coverage amounts tailored to your occupation and lifestyle. We help you find the right plan, benefits, and price point.
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Group Disability Insurance
Group disability insurance offers income replacement benefits in case of an inability to work due to a covered illness or injury. We specialize in providing comprehensive and robust policies at cost-effective rates.
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Short-Term and Long-Term Disability Insurance
Short-term and long-term disability insurance provide a portion of your salary if a disability forces you to take time off work. Our coverage extends to injuries, illnesses, and maternity leave, equipping you with the requisite financial support during life’s unpredictable events.
Our Group Employees Services
We provide customized benefits packages with disability, life, and accident insurance to support productivity and protect employees.
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Disability Coverage
Our disability coverage offers income replacement and includes automatic leave initiation if the employer also partners with us for leave management administration. We ensure quick disability claim decisions, convenient payroll deductions, lower rates compared to individual coverage, and access to a range of value-added programs and services. We offer two options: short-term and long-term disability insurance.
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Life Insurance
We offer life insurance services to provide financial protection for your loved ones in the unfortunate event of your death. Our range of life insurance options includes term, whole, universal, and variable universal life insurance. Our expert agents will guide you in determining the right type and amount of coverage that best suits your needs and budget.
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Accidental Death & Dismemberment (AD&D) Insurance
Our accidental death & dismemberment (AD&D) insurance offers financial protection in the event of a serious injury or death due to a covered accident. We offer customized coverage and benefit amounts to best serve your requirements.
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Personalized Employee Support
At A-List Financial Services and team, we provide personalized support for employees, including access to clinical teams and experts to improve outcomes, reduce absence, and ensure compliance.
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Consultative Guidance and Flexible Plan Designs
We provide consultative expertise and support through our experienced sales and client management teams. Recognizing the evolving needs of today’s workforce, we offer flexible plan designs to meet your company’s unique requirements.
Long-Term Care Services
We offer long-term care insurance to cover costs for daily assistance due to chronic illness or disability. Our agents thoroughly evaluate your health, family history, and needs to find a policy that provides quality care, preserves dignity, and protects your assets.
Plan Your Future With Larry Abraham Today
Connect with Larry Abraham to delve into your retirement, investment, insurance, and estate planning requirements. With nearly a decade of experience, Larry has been instrumental in helping clients safeguard their assets and plan efficiently for the future.
Schedule Your 60-minute Strategy Review
Call 972-244-3242 or book online to schedule your 60-minute Strategy Review with Larry Abraham today. This is a complimentary consultation to evaluate your financial situation.
Answering Common Questions
The earlier you start planning, the better. We recommend that you start thinking about retirement plans in your 20s and 30s to take full advantage of compound interest. However, it’s never too late to create a roadmap for your retirement years.
Annuities come with liquidity risk, as accessing funds early often incurs fees. Variable annuities also carry investment risk. However, annuities provide guaranteed income for life, protecting you from outliving your savings. We help mitigate risks by aligning annuities with your overall plan.
The key is creating an income plan that aligns with your expenses and risk tolerance. We incorporate income annuities to cover fixed costs paired with growth investments to hedge inflation. Ongoing reviews ensure your plan adapts to evolving needs and market conditions over your retirement.