Creative Insurance Planning

Creative Insurance Planning helps clients prepare for retirement using innovative ideas and products to protect and guarantee retirement savings.

We specialize in protecting clients retirement savings through the use of guaranteed and insured investments. This may include Indexed Life Insurance, Fixed Multi-Year Guaranteed Annuities, Fixed Index Annuities, Single Premium Immediate Annuities, Long Term Care policies and Critical Illness policies. We want our clients to have zero risk with their retirement money so that they can convert the above into a Guaranteed Life Time income stream at any time. By rolling over or transferring old 401ks, 403bs, 457 plans or IRAs that have lost money in mutual funds or stocks into an annuity, clients can never lose any of their hard earned money and be able to provide a guaranteed stream of retirement income for as long as they and or their spouse may live. The annual interest return is enhanced by the performance of the S&P 500 Index with never any losses. Our motto is "Zero is my Hero"; no loss of retirement money...ever. For those who wish to pass on a legacy to their children or grandchildren, we show them ways to "Stretch an IRA" for 40-80 years or how to pass on assets Estate Tax Free. We now have FDIC insured Market Linked Certificates of Deposits (MLCDs) issued through Bank of the West, a member of the BNP Paribas Group, the world's largest bank. Also, Barclays MLCDs will be available in April 2012. These CDs provide 100% safety of principal and a greatly enhanced interest rate over standard bank CDs.