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Life Insurance

Non-Taxed Retirement


College Fund Planning

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Benefits of a Fixed Index Annuity
Choosing the right accumulation vehicle for retirement can be difficult. With so many choices, which product will be right for you? On one hand, you want the safety and guarantee of principal and credited interest.
On the other hand, most people prefer the potential of higher interest by being linked to the market-the return potential that a fixed-rate product cannot offer.

In the past, the choices were either (1) receive the guarantee of principal and a minimum amount of interest, or (2) link to the market with the potential of higher returns, but also accept the downside risk to your principal.


Now you can have the best of both worlds: 

guarantee of principal and the potential of market-linked growth with no risk of loss of principal due to market downturns.

Enter the fixed index annuity concept, a concept designed to help you reach your retirement goals.


Safety and Guarantee of Principal
A fixed index annuity (also referred to as an equity-indexed annuity) provides you with the best features of a traditional fixed annuity - a guarantee of principal. Unlike most securities or mutual funds where your account balance can fluctuate due to market performance, premium deposited into a fixed index annuity is guaranteed to never go down due to market downturns.
A contract owner of a fixed index annuity participates in market-indexed interest without market-type loss.


The Power of Tax Deferral
All annuity values accumulate on a tax-deferred basis until withdrawn. Therefore, your money can grow faster because you earn interest on dollars that would otherwise be paid as taxes. Your principal earns interest and the interest compounds allowing you to accumulate more money over a shorter period of time, thereby earning a greater return on your money.


Fixed index annuity contracts generally allow for some form of penalty-free withdrawals, up to 10% of the full accumulation value, once each contract year after the first contract anniversary.


Guaranteed Lifetime Income
Fixed index annuities can provide you with a guaranteed income stream with the purchase of a fixed index annuity. You have the ability to choose from several different annuity payment options. With nonqualified plans, a portion of each annuity payment represents a return of premium that is not taxed, which reduces the income tax on your annuity payments.


The potential of Stock Market-Linked Growth

While the index annuity concept offers many features of a traditional fixed annuity, it has a rather unique feature that allows a potential of stock market-linked interest credits without the potential of any market-type loss. In contrast to a securities-type product or mutual fund where the investor bears the market risk, the fixed index annuity concept insulates the contract owner from any risk of loss of principal due to market downturns.


What is Indexing?

Earnings on a fixed index annuity are based on stock market-like performance from certain indices. But what is indexing? Indexing is simply an investment strategy that follows the performance of select securities, such as the Standard & Poor's 500® Index. The S&P 500® is a collection of 500 select industry leaders and thus a benchmark for U. S. Stock Market performance. A fixed index annuity is linked to the performance of this type of market index, without the risk of directly participating in stock or equity investments. With indexing, you can participate in a diversified passive investment strategy: a link to the market and its potential gains without subjecting yourself to the potential downfalls of the market.


Expectations for the Fixed Index Annuity
Fixed index annuities have the potential for market-linked interest without exposure to the market risk. Contract owners enjoy the guarantees and safety of the principal even while being linked to market growth. However, they should not expect fixed index annuities to mirror the exact performance of any stock market indices.


Since a fixed index annuity uses a passive investment strategy, it will not mirror the exact return of the stock market index. The fixed index annuity is a powerful financial tool designed to meet your long-term retirement needs.

Let's look at your situation to see if an annuity is right for you.


To see if an annuity is right for you, call Michael Andrews 415-888-7175

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Life Insurance

Term Life Insurance

Life insurance may be one of the most important purchases you'll ever make. In the event of a tragedy, life insurance proceeds can:


  • Help pay for final expenses

  • Be income replacement

  • Provide the ability to continue a business

  • Finance a child's needs (education, care, etc)

  • Protect the spouse or significant other's retirement plans

  • Help pay for estate taxes

  • And much more

Term Life insurance is the most affordable and easiet form of insurance to understand. It is a practical alternative to permanent coverage without a cash value feature and the coverage insures you at a fixed premium. 

* Some options include a LIVING BENEFIT RIDERS at No additional cost.  


Obtain a FREE quote or simply get your questions answered by calling

Michael Andrews 916-238-8282

Non-Taxed Retirement

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Indexed Universal Life is considered a flexible type of life insurance because it provides both premium and death benefit flexibility. It allows the owner to adjust the premiums according to their financial ability. IUL offers the option of having your cash value accumulate at an interest rate that is based on the changes of a major stock market index. Premiums are usually higher than a Term Life but less than a Whole Life policy.

A properly designed and funded IUL has the ability to yield outstanding results. Many consumers are unaware of the IRS law which speaks specifically about how these programs are to be structured. Michael Andrews teaches tax law as it relates to the design and structure of IUL contracts also known as a Retirement Insurance Contracts.  Watch the video below to gain additional insight.



Who buys this type of policy? 


Families and consumers who can afford higher than term insurance premiums and want to invest in the stock market in order to save additional income for the items below. Many consumers have opted to do away with their qualified plan option and instead use the same money to fund an IUL / Retirement Insurance Contract to protect themselves from the repeated downside risks many have experienced over the years.  Now it's time to preserve and protect your future.  Here are some of the reasons why you may want to consider an IUL / Retirement Insurance Contract.


  • Retirement income

  • Child's education

  • Asset protection

  • Final expenses

  • Estate planning & tax protection


This is merely an overview as there are options to utilize various indices beyond the S & P. Review the video below and let's discuss this option to see if a properly structured Indexed Universal Life program is ideal for your overall financial plan.

Life Insurance vs. 529 Plan for College Savings

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Many parents desire for their children to attend college.  However, you’re perhaps concerned about the ever increasing cost. NEWSWEEK provides a great article, showing since 1969, the average cost of college (tuition, fees, and room and board for full-time students) has almost doubled compared with the median family income.

According to the National Center for Education Statistics, the average cost of college in 1969 was $9,502 (after adjusting for inflation), and it jumped to an average cost of $19,339 in 2012.


If you take in account, that the median income for a typical American family is $51,000 on average, then you can see that the cost of college for just one child will eat up 40% of the family’s income. Without advanced college savings, coupled with possible grants and scholarships a student may receive funds via financial aid and other sources, many parents dream of sending their child(ren) to college might not be fulfilled.


When deciding on what vehicle is best for you to use as a college savings plan for your child, it’s best that you get all of the facts so that you can make an informed decision. 

Below, please review the chart to compare the features and benefits of using a life insurance policy for college savings versus a state-sponsored 529 plan. Depending upon your specific plans and goals, these two plans help save for your child’s future college education.


The chart will serve as a valuable guide to determining if a permanent life insurance policy structured to adhere to the I.R.S guidelines is the best choice for your family.

While there are various types of permanent life insurance, such as Whole Life, Universal Life, Index Universal Life, Variable Whole Life, and Variable Universal Life. Our specialists are well qualified to help you with implementing a college savings plan that best fits your family's needs to reach your goals and help you to understand all of the types of permanent life insurance. Let’s get started.

The Comparison

Andrews Financial Services LLC
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