Retirement Planning

In today's highly competitive marketplace, it is becoming increasingly difficult to attract and retain top talent. Salary is no longer the sole compensation driver. Employees are also looking at an employer's overall benefits package and its potential to help protect their families and prepare them for retirement. These concerns are heightened by ever-changing tax laws, pension plan uncertainties, and Social Security shortfalls. As a business owner, you can offer insurance and retirement benefits that can make a difference for both your employees and your business.¹

Providing for your employees' retirement can create a loyal and dedicated community around your business. A variety of retirement-planning products exist to provide the benefits that support your employees' commitment to your business.

Consider a few of the following options.

Annuities

Establishing individual retirement arrangements funded by annuities is easy for small business owners. It may also help you and your employees achieve your retirement savings objectives.

Disability Income Insurance

Disability income insurance can replace a portion of an employee's earnings in the event of a disability. Some policies may also help protect an employee's ability to plan and save for retirement.

Life Insurance

Learn how life insurance can supplement² your employees' retirement planning strategy to help align with the goals of their golden years.

Long-term Care Protection

Long-term care insurance and asset-based long term care can help protect an employee's assets and retirement plan and is part of a complete financial strategy.

Retirement Plans

Reward and attract talent to your company by helping them prepare for retirement. A wide range of group retirement products and services can help you maintain a long-term retirement strategy.

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¹ There may be implications under the Employment Retirement Income Security Act (ERISA) depending on how certain types of insurance policies are made available to employees and whether such an arrangement constitutes an “employee benefit plan” under ERISA. Employers should consult their own tax and legal advisors for further information on potential ERISA implications.

² Withdrawals and loans from a life insurance policy reduce the death benefit and cash value, may increase the chance the policy will lapse, and may result in a tax liability if the policy terminates before the death of the insured. Life insurance should be purchased by individuals that have a need to provide a death benefit to protect others with insurable interests in their lives against financial loss. Life insurance is not a retirement plan, investment, or savings account.

Annuities provide no additional tax advantages when used to fund a qualified plan.