Our Mission
At Living Well Retire Better, our mission is to provide you with peace of mind and financial confidence through life insurance solutions tailored to your unique needs. By going beyond traditional coverage, we’ll show you how to harness market growth without risk—empowering you to secure a comfortable, tax-free retirement income and protect your family’s future. Discover a wealth-building strategy that safeguards your savings and offers peace of mind for the years ahead.
Coverage
Crafting extraordinary events tailored to your unique vision.
Term Life Insurance
Our affordable Term Life Insurance provides a straightforward yet powerful solution for protecting your loved ones. With a guaranteed death benefit for a specified term, it ensures their financial stability in the face of unexpected events. Whether you’re looking to cover debts, provide income replacement, or safeguard future plans, term life offers essential peace of mind when it’s needed most.
Annuities
Annuities are designed to provide a steady income stream. You can access the income immediately but, annuities are typically set up for retirement. You pay a lump sum or series of payments, and in return, the insurer promises regular payments either for a set period or for the rest of your life. Annuities can grow tax-deferred, and they have different types, such as fixed, variable and indexed, each with its own risks and potential returns. They can offer security and income guarantees, although they often come with fees and limited liquidity.
Universal Life Insurance
Enjoy flexible premiums and customizable coverage with our Universal Life Insurance. It offers long-term protection, potential cash value growth, tax-free access to funds and the opportunity to adapt your policy as your needs evolve—providing peace of mind for today and tomorrow.
Reviews
Brian F
Thank you, Laura, for your guidance and expertise!
I was looking for a way to save and grow my money without the risk of losing it. After discovering Laura’s website and learning about IULs and their incredible tax benefits, I decided to apply for one. Laura made the entire application process seamless and stress-free. While it’s still early to see the full performance, I’m already impressed by the structure and growth potential of the policy. Laura’s deep understanding of my financial goals gave me confidence in choosing this product. I can now relax, knowing my money is secure, growing, and will provide me with a tax-free retirement. Plus, it gives my family tax-free protection for the future. I couldn’t be happier with my decision!
Frequently Asked Questions
Common Questions Answered for your convenience.
Why do I need life insurance if I already have savings and investment?
Life insurance provides financial protection that savings and investments alone may not. In the event of an untimely death, life insurance ensures your loved ones are not burdened with debts like mortgages, loans, or funeral costs. Additionally, certain types of policies, like indexed universal life insurance (IULs), offer living benefits such as tax-free retirement income, emergency funds, or supplemental income during critical illness.
Isn't life insurance only useful after I pass away?
While life insurance traditionally provides a death benefit, many modern policies include living benefits. These can allow you to access funds during your lifetime for a variety of expenses such emergencies, medical expenses, retirement or any major expense that is important. This makes life insurance a versatile financial tool, not just a safety net for your family after you're gone.
Can’t I just rely on my employer-provided life insurance?
Employer-provided life insurance is a great start, but it’s often limited in coverage and usually terminates if you change jobs or retire. Personal life insurance policies ensure you have coverage tailored to your specific needs and remain with you regardless of job changes.
What happens if I don’t have life insurance and something happens to me and my family?
Without life insurance, your family may face financial strain, struggling to cover expenses like your funeral, ongoing bills, or debts. Life insurance helps protect your loved ones from these financial burdens, allowing them to focus on healing rather than worrying about money. Some policies can even provide your beneficiary income for a certain period of time through riders.
Isn’t life insurance too expensive?
Life insurance is often more affordable than people think. Policies can be customized to fit your budget and needs, and the earlier you start, the lower the cost. Additionally, the financial security it provides far outweighs the monthly premium, making it a wise and cost-effective investment in your self.
I’m young and healthy. Why would I need life insurance now?
Purchasing life insurance when you’re young and healthy is the smartest choice. Premiums are much lower, and you’re locking in coverage at your current health status, which may not always stay the same. Plus, starting early allows you to build cash value over time if you choose a policy with living benefits.
