Annuities & Supplemental Coverage
Guaranteed Income. Real Peace of Mind.
Annuities and supplemental coverage that protect your retirement savings and fill the gaps your primary insurance leaves behind.
What Is a Fixed Annuity?
A fixed annuity is a contract between you and an insurance company. You make a lump-sum payment (or a series of payments), and in return the insurer guarantees a fixed interest rate on your money — and can provide a guaranteed income stream for life or a set period.
Unlike the stock market, a fixed annuity protects your principal. Your money grows at a guaranteed rate, and you never have to worry about losing what you've saved to a market downturn.
For retirees and pre-retirees who want predictability — a paycheck they can count on every month — a fixed annuity can be one of the most powerful tools in a retirement plan.
Fixed Annuity
Earn a guaranteed interest rate on your savings with full principal protection. Your money grows tax-deferred, and you can choose to receive income payments for a set period or for life.
Fixed Indexed Annuity (FIA)
Earn interest linked to a market index like the S&P 500 — with a floor that protects you from losses when the market drops. You participate in market gains up to a cap, but never lose principal due to market performance.
Supplemental Coverage: Filling the Gaps
Even the best health insurance leaves gaps — copays, deductibles, out-of-pocket maximums, and costs that simply aren't covered. Supplemental policies pay cash benefits directly to you when a covered event occurs, giving you financial flexibility when you need it most.
Jennifer helps clients layer supplemental coverage strategically so that a serious diagnosis or hospital stay doesn't derail their finances.
Supplemental Coverage Options
These policies pay cash benefits directly to you — use the money however you need it.
Hospital Indemnity
Pays a cash benefit for each day you're hospitalized — regardless of what your other insurance pays. Use it for anything: bills, groceries, childcare, or lost income while you recover.
Critical Illness & Cancer
Pays a lump-sum cash benefit upon diagnosis of a covered critical illness — including cancer, heart attack, stroke, kidney failure, and more. The money is yours to use however you need it.
Heart & Stroke Protection
Specialized coverage that pays benefits for heart attacks, strokes, coronary artery bypass surgery, and other cardiovascular events — conditions that are among the leading causes of hospitalization in the U.S.
Long-Term Care Coverage
Helps cover the cost of extended care — whether in a nursing home, assisted living facility, or at home — when you can no longer perform basic daily activities on your own. Long-term care is one of the largest unplanned expenses in retirement.
Why Jennifer Recommends Layering Coverage
Ready to protect your retirement and fill the gaps?
Call Jennifer for a free, no-pressure conversation. She'll help you understand your options and build a plan that fits your life and your budget.