OUR SERVICES
Insurance and Annuity Analysis
We don't sell insurance, but we can help you get the most value out of a policy you already own.
Tailored Strategies for Lasting Success
Get Clarity on Your Existing Coverage
Not sure if your life insurance or annuity policy still makes sense for your situation? Let's take a closer look together.
What We Can Do For You
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- Analyze appropriate insurance coverage for your circumstances
- Provide recommendations on the investment direction of insurance and annuity products and sub-accounts, where applicable
- Assess the value of keeping or surrendering annuity policies
- Analyze the fees on annuity products
One of the most common uses of life insurance is replacing income if a family's primary breadwinner passes away prematurely. Many people keep these policies well into retirement, even after the original need for coverage has passed. We help analyze your current policies and coverage to determine what's actually appropriate for your personal and financial circumstances.
Life Insurance Analysis
Life insurance is a valuable financial planning tool with several distinct uses, from income replacement to estate planning. That said, many people continue carrying policies far longer than necessary, essentially using them as a tax-deferred investment vehicle rather than for their original purpose. Others find themselves without the coverage they likely should have.
We sit down and go over these policies with you to determine the right amount of coverage and the best choices for your specific circumstances.
Annuity Policy Analysis
Annuities work similarly to Social Security: you make payments during an accumulation period in exchange for a steady stream of payments once the policy begins. The tradeoff is usually fees and more limited investment choices compared to other options.
While annuities can offer the same tax-deferred savings potential as life insurance, they're not right for everyone. You may also find yourself wondering whether it still makes sense to keep a policy in force, especially with surrender fees, tax implications, and other complicated questions involved.
We have the tools to help sort through these policies and determine the best course of action for your specific situation.
Take the First Step Towards Financial Clarity
Ready to align your financial goals with a comprehensive strategy? Our expert advisors at Lloyds Intrepid are here to guide you every step of the way. Schedule a consultation today to discuss how we can tailor a financial plan that meets your unique needs and secures your future.