Dear Fellow Saver,
Like you, I have taught of saving long-term for retirement since I know that in the absence of a pension or insufficient Social Security, my own retirement income should be supplemented.
A pension is a saving for retirement using an annuity, tax-deferred but taxed later on during withdrawal.
I am currently working with agents in 50 states and is now an agent for National Life Group – LSW products which include indexed annuities (about 13% return) and Index Universal Life Insurance (up to 13.5% return with living benefits), a 3 in 1 product combining retirement savings, disability and life insurance that is tax-free during accumulation, withdrawal and growth.
An annuity is a series of payments made to a contract holder at regular intervals. People purchase annuities to obtain an income or to supplement retirement income they will receive from Social Security, pension benefits, investments and other sources. Young people choose an index annuity at 13% return over a 1% bank CD.
An Index Universal Life Insurance grows with the SP500 using an indexing strategy that does not participate when the market is down but resets and only participate when the market is in upside. The living benefit means that only with LSW-National Life Group, 3 illness riders are added at no cost such that when cancer, stroke or disability occurs, one can access between 70-90% of the face amount ($100k to $1.M) of the life policy tax-free.
To schedule a free retirement planning analysis, call Connie Dello Buono 408-854-1883 motherhealth@gmail.com in bay area and 50 US states.
Published by connie dello buono
Connie Dello Buono is based in Sunnyvale California. Her first ebook is about women's health, Birthing Ways Healing Ways and her recent one is about cancer prevention, Curated Healing Ways. She had helped women have holistic childbirth as childbirth educator, founded Motherhealth, to serve seniors in the bay area with holistic caregivers and blogs at www.clubalthea.com with more than 10,000 health and finance related posts.
Connie trains her own caregivers, which are the favorites of most bay area seniors who are home bound and alone.
She is active in the rehab and nursing facilities, volunteering on music and movement for seniors.
She is a member of Lion's club and offered scholarships to students in the Philippines.
She is active at churchinsunnyvale.us and has Fridays Bible home study in Sunnyvale using the recovery version of the Bible , free at biblesforamerica.us
She loves dancing and teaching and her courses can be found at
https://teachclub.com/@thriveafter60
She is California Life Insurance licensed providing life insurance for older adults with health issues and helping women retire safely with income for life.
at menloassetca.com , she helps with 401k rollover.
3 Benefit plans
- Mortgage protection using term life insurance to pay for mortgage balance in event of death
- Final Expense plan using Single Issue Whole Life Insurance, with cash back, disability benefit and guaranteed in the presence of health issues
- Fixed Index Annuity retirement plan for safe, accessibility, less fees, less taxes, avoids probate as it goes directly to beneficiaries, rate of return with no downside market participation.
She brings compassion and understanding to the needs of her clients, bringing holistic approach in health and life insurance. Her goal is to free families from worries especially during covid with caregivers and life insurance in the presence of health issues, especially for women.
She can be reached at 408-854-1883 , motherhealth@gmail.com
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