Most of us set up a 401(k) at work and buy some term life insurance. Then we stop thinking about it. But two hidden gaps often catch families off guard—and they can undo years of planning.
1. The 401(k) Market Shock
You worked hard, you saved, and your balance looks solid. But what happens if the market crashes the year you retire? A 20% drop could delay your plans for years.
The fix: Rolling part of your 401(k) or IRA into a fixed indexed annuity can lock in gains and turn that money into guaranteed lifetime income—income you can’t outlive, no matter what the market does. Some annuities even include built-in death benefits.
2. Life Insurance That Expires
Term life insurance is great while the term lasts. But it often ends at 60, 65, or 70—exactly when your health may decline, and you still need protection for your spouse or estate.
The fix: Adding permanent life insurance (like Indexed Universal Life) creates coverage that never expires and builds cash value you can use for emergencies, college funding, or even retirement income.
A Real-Life Example
“My term policy was cheap, but I never realized it would end at 65. The permanent plan Insureous recommended now protects my wife—and my 401(k) rollover gives us income we can’t outlive.”
— Kevin B.
Want to see if these strategies fit your plan? A quick review takes just a few minutes.
👉 Start your confidential review or call Shelia at (904) 295-8498.
Quick Tip
Your retirement plan isn’t just about growth — it’s about stability. Split your savings between long-term growth (like 401(k)s) and guaranteed income (like annuities) to protect against market swings.
On Our Radar
🎥 Watch: Life Insurance Basics – Understand the pros and cons of term vs. permanent.
📄 Free Download: The Life Insurance Buyer’s Checklist
💼 Join the Insureous Team – Flexible hours, real impact, part- or full-time.
🎯 Book your no-pressure call with a licensed advisor.