Life & Annuity Insurance

Welcome to our financial services at Defined Retirement! At our firm, we specialize in helping individuals like you navigate the world of life insurance and annuities. Life insurance provides invaluable protection for your loved ones, ensuring their financial security in the event of the unexpected. Annuities, on the other hand, offer a reliable source of income during retirement, helping you build a stable financial future. Our team is here to guide you through the process, tailoring solutions to fit your unique needs and goals. Let’s work together to secure your financial well-being and peace of mind.

Living Benefits

Life insurance policies vary in their coverage and benefits. While some policies only pay out upon the policyholder’s death, others offer additional benefits that can be accessed while the policyholder is still alive. These living benefits can provide financial support to you and your family in times of need, allowing access to the death benefit in situations such as critical, chronic, and terminal illness.

Traditional vs. Living Benefits Graphic

How will Living Benefits Help Me?

Click below to watch video

Indexed Universal Life Insurance

A common worry as we age is whether we’ll have sufficient income to retire comfortably. Indexed Universal Life (IUL) policies offer more than just a death benefit. They enable policyholders to withdraw funds without penalties, potentially extending retirement income beyond what traditional options like 401(k)s, IRAs, or mutual funds allow, by up to 30-40 years.

Annuities Services

Annuities are financial products designed to provide a steady stream of income during retirement. When you invest in an annuity, you’re essentially purchasing a contract with an insurance company, which can offer various payout options, such as a guaranteed income for life or a set period. Annuities can provide a sense of security by offering a predictable income stream, making them a popular choice for individuals looking to supplement their retirement savings.

Mortgage Protection

Mortgage protection is a type of insurance usually with Living Benefits that helps safeguard your home in the event of unforeseen circumstances such as death, disability. It is designed to cover your mortgage payments, ensuring that your loved ones can remain in their home even if you’re no longer able to make the payments. This insurance provides peace of mind by offering financial protection to your family during challenging times.

Whole Life Insurance

Whole life insurance is a valuable insurance product that offers lifelong protection for the insured. Unlike the more affordable term insurance, whole life insurance remains active as long as premiums are maintained. Although whole life insurance typically comes with a higher cost compared to term insurance, it provides several benefits, including tax-free death benefits that can be utilized by the beneficiary.

Helping You Find Solutions for Your Peace of Mind.

Customized Insurance Benefit Plans

Dedicated to building lasting relationships with clients through transparency and like mindedness, with a strong focus on sourcing insurance providers that can best service your needs.


A reputation built on word of mouth, and the belief in morals over money.

Your Trusted Expert

in the financial field since 2013.

We Survey All Trusted Carriers

giving you lower cost of premiums and more benefits for polices owners.

Well Educated Professionals

making us a valuable, well-rounded resource to our clients.


Trusted Life & Annuity Insurance Carriers