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• Insurance Products.htm
• Insurance Product Types

Life Insurance

Life insurance can be an important part of your personal financial safety net. E.K. Riley offers a wide range of life insurance solutions to help you protect the ones you love.

Disability Insurance

Disability insurance provides tax-free funds designed to replace the income of someone unable to work, due to illness or accident.

Long Term Care Insurance

Government studies estimate that the average person age 65 or older has a 70% chance of someday needing long-term care.

Long term care insurance helps pay for dependent care at home, an assisted living facility or in a nursing home. It helps protect personal assets, provides choices in what kind of care and where a person receives it, and helps relieve family members of the burden of providing care.

Annuities

Annuities are long term, tax deferred vehicles used primarily for retirement purposes. Typically issued by insurance carriers, annuities are financial contracts designed to pay a stream of income or series of payments.

There are many different kinds of annuities designed to meet a variety of income and retirement needs. The most common types of annuity are fixed, variable and equity indexed.

In a fixed annuity, the issuing company guarantees the principal and a minimum rate of interest. An advantage of fixed annuities over CD’s and treasuries lies in the tax-deferred treatment of interest. Fixed annuities can also serve to offset investment portfolio shrinkage and help retirees sustain a predictable income. Fixed annuities are not securities, and are regulated by state insurance departments, not the SEC.