Life Insurance & Annuities
“Plans are nothing; planning is everything.”
– Dwight D. Eisenhower
Life Insurance & Annuities
Time to Insure Your Future
Life insurance and annuities could be a great way to provide a regular source of income in the future and ensure that you can provide a layer of comfort and security for your loved ones.
- Annuities can be foundational instruments for long-term financial planning and wealth protection and provide an alternative source of retirement income.
- Insurance is a crucial part of long-term financial planning that can help alleviate the burdens of life’s unexpected events.
- Life insurance can help you protect the financial security of your family in the event of your death and provide for your dependents during difficult times.
- Long-term care insurance can help ease the burden for future caregivers.
Through our affiliate, B. Riley Wealth Insurance, we offer solutions focused on capital preservation, protecting your wealth, and providing long-term security.
Consult with one of our financial advisors to create an insurance or annuity plan that works best for your lifestyle and meets your long-term financial objectives.
Annuities
B. Riley Wealth Management offers a variety of variable annuity solutions that can help with long-term investing needs. Variable annuity products can provide a conservative and lower-risk means of capital preservation and diversification. Return will vary due to market conditions and prevailing interest rates.
Fixed Index
Annuities Fixed Index Annuities can provide a predictable stream of interest income without being directly invested in an index or asset.
Fixed Annuities
Fixed annuities provide income payments in fixed amounts, which can help you pay expenses during retirement. Fixed annuities offer more conservative investors a safe and steady way to grow assets at a fixed rate of interest tax deferred.
Variable Annuities
B. Riley Wealth Management offers a variety of variable annuity solutions that can help with long-term investing needs. Variable annuity products can provide a conservative and lower-risk means of capital preservation and diversification. Return will vary due to market conditions and prevailing interest rates. You should consult with a qualified tax advisor to discuss the tax treatment of variable annuities.
Life, Disability and Long-Term Care Policies
Whole Life Insurance
Whole life insurance offers a death benefit and also accumulates cash value, tax deferred at fixed interest rates. Whole life insurance policies generally have a fixed annual premium that does not rise over the duration of the policy.
Universal Life Insurance
Universal life insurance combines a death benefit with a savings element, which accumulates, tax deferred, at current interest rates. Under a universal life insurance policy, the policyholder can increase or decrease his or her coverage, with limitations, without purchasing a new policy.
Indexed Life Insurance
Indexed Life Insurance policies offer insurance protection while allowing the policy owner to build case value by investing in the equity markets by using indexed funds offered by the carrier. What makes these policies unique, is that the indexed options offer downside market protection to your cash values.
Variable Universal Life Insurance
Variable Universal Life Insurance combines a death benefit with an investment element by utilizing professionally managed sub accounts that can be self-directed to meet your individual risk profile that accumulates, tax deferred.
Corporate Owned Life "COLI" Insurance
Corporate Owned Life Insurance was originally designed by Insurance Carriers for the Fortune 500 to fund Executive Benefit Plans. It’s now available on an individually owned or small group basis. These products have been designed as a tax strategy to accumulate cash value as a supplemental retirement plan, SERP plans, deferred compensation, and employee retention plans.
Premium Financing
Premium financing is borrowing money to pay life insurance premiums. High-net-worth individuals and companies use this strategy to obtain large amounts of life insurance with a minimal upfront expense. It is a means to retain capital by only paying interest on a loan that pays premiums instead of paying the actual premiums.
Term Life Insurance
Term Life Insurance provides a death benefit when the insured dies. Term insurance does not accumulate cash value and ends after a certain number of years or at a certain age.
Disability Insurance
Disability insurance can provide income for you and your family when you’re unable to work because of a short-term or long-term disability.
Long-Term Care Insurance
Long-Term Care Insurance can help you pay for long-term healthcare expenses while preserving your retirement savings and other assets from the high costs of long-term care.
Group Supplemental Insurance
Supplemental insurance provides an additional level of financial protection for your employees and their families in the event of a serious accident or illness.
Have a question?
We're ready to help.