Antolin Reiber Thoughts on Long Term Care

Many people think the phrase “long-term care” refers to an insurance policy. While insurance may be part of your strategy, long-term care encompasses everything from long-term services and support and finances, to where you will live and how you will navigate the myriad of legal, family, and social dynamics along the way.

Medicare estimates that 70% of the United States Population will need long term care sometime after they are 65 years old. That's worth restating again . . . SEVENTY PERCENT (70%) !!!

Stop reading. Look at the person beside you, or think of the person you are most closely related to. Which one of you will need long term care? With 7 out of every 10 people going to need it, that's higher than 1 out of 2 or (50%). So again, which one of you will need it? Unless you're one of the lucky 3 out of 10 that don't, there's a good chance you BOTH will.

It's time to start discussing the very realistic problem and your plan.

I am here to help in that conversation. Trust me, there are questions that you have not even thought of. Waiting to talk about it is like trying to learn to swim while you're already drowning. When you need long term care, it's too late to plan for it. Don't do that to the ones you love.

Call me and we'll start a discussion.

AJ Reiber
Bankers Life & Casualty Co.
317-652-1717
antolin.reiber@bankers.com

AJ Reiber Talks Retirement

Antolin Reiber A.J. Reiber AJ Reiber Lawyer Attorney Indiana

Protect and Grow Your Retirement Savings

How would guaranteed lifetime income affect your life in retirement?

People are living longer and healthier lives. One major concern that many people have is outliving their money. Annuities can help solve this problem by providing a lifelong income even in a low interest rate environment.

Ask me about how you can have the following financial protections.

• Financial security—your principal is always safe from market loss
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• Growth potential—accumulate interest with fixed and fixed indexed options
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• Tax-deferred interest accumulation
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• A variety of income options, including guaranteed lifetime income
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• Death benefit paid to beneficiaries.

AJ Reiber

Bankers Life and Casualty Company

317-652-1717

antolin.reiber@bankers.com

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Guaranteed Income for Life

For additional information on annuities and a guaranteed stream of income for life, please contact me by phone at 317-652-1717 or email at antolin.reiber@bankers.com

Planning for your retirement is one of the biggest challenges you'll face.  Annuities offer a safe option to help you accomplish your retirement goals.  In fact, annuities are retirement vehicles that offer guaranteed payments for the rest of your life.

Annuities have many advantages to help you build financial security.  First, your principal is always protected even if the market fails to have positive gains.  Subsequently, your earnings accumulate on an income-tax-deferred basis to grow your retirement fund faster.  You can choose from a variety of payout options, including a secure and steady income steam that you can't outlive.  Also, annuities will not affect your Social Security benefits (although increases in your income may result in increased income taxation).  As your Bankers Life insurance agent, I can educate you about annuities, explain your options and determine whether an annuity is right for you.

TYPES OF ANNUITIES

• Fixed interest annuity:  This product is designed to help you accumulate funds for your   retirement.  the money in your annuity earns a guaranteed fixed rate of interest and your money accumulates on a tax-deferred basis, meaning you do not pay taxes on your earnings until you actually withdraw them from your policy.

• Fixed indexed annuity:  A fixed indexed annuity provides the guarantees that come with fixed annuities but is combined with the opportunity to earn interest based on changes in an external market index.  Because you are not actually participating in the market, the money in your annuity is not at risk.

• Immediate annuity:  An immediate annuity is purchased with a single lump-sum payment and, in exchange, pays a guaranteed income stream that starts almost immediately.