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Retirement Protection

Planning for retirement, whether that's five years away or 25 years down the road, is something each of us needs to consider. Making smart choices about how much money you save, and what retirement planning savings vehicles you use, can mean the difference between having the income you need in retirement to live the lifestyle you want, or struggling financially. There is no one-size-fits-all solution when it comes to saving for retirement, but if you prefer a product that offers safety and guarantees, you may want to consider the retirement protection benefits offered by annuity products and indexed universal life (IUL) insurance policies.

How Can You Use Annuities and IUL for Retirement Protection?

An annuity is essentially an insurance product. With deferred annuities, the contract holder can accumulate money over a period of years (the "accumulation phase") by either making an initial deposit and watching it grow, or by making periodic deposits over time.

Funds invested in retirement annuities grow tax-deferred. When you're ready to start drawing on your annuity, you "annuitize" the contract and turn it into an income stream so you receive a series of regular payments each month, quarter, or year.

An Indexed Universal Life (IUL) policy is permanent life insurance coverage with both an insurance component and a cash value savings component. The cash value can be indexed to a financial market index, offering policyholders the upside potential that comes with investing in the markets while still retaining the protection of life insurance coverage.

There are many reasons for choosing retirement protection annuities and IUL products. The most common reason many people use annuities is for channeling their savings into a regular income stream during retirement.

Funds from Social Security and pensions may not be enough to allow you to live the lifestyle you want when you retire. Choosing a retirement protection annuity can give you an additional paycheck every month to supplement those other income sources - giving you the funds necessary to travel, pay your expenses each month, buy gifts for loved ones and more.

Similarly, IUL policies offer you the option of accumulating cash inside your life insurance policy - cash that you can use for any purpose.

How Does

Retirement Protection Work?

When you purchase a deferred annuity or an IUL as part of your retirement plan, you enter into a contract with the issuing insurance company. During the accumulation phase, when you're able to add funds, your funds will grow on a tax-deferred basis. When you're ready to turn your annuity into a stream of cash, you'll have various payout options to choose from.

An Indexed Universal Life (IUL) policy includes both a death benefit amount and a cash value component. It is using insurance to build a cash value for your beneficiary and usually providing living benefits to you. Your cash value account, to which you can make additional payments at any time, can be tied to a market index so you have the upside of investing in the stock market without the financial risk. The first step toward ensuring you have the income you need during your retirement years is to contact the Adair Agency. We can help you understand the various products available that will best meet your needs.

We only propose options based off your best options.
We only offer options that fit your budget.
We follow the Golden Rule.

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We talk with you like regular people because we are regular people. We are regular people that have earned all the necessary state licenses to sell insurance. We treat you like we want to be treated. You can check out our agents licenses on NIPR and their page.

We offer insurance assurance

You built your family. We help you protect your investment in their future.

97%

Average approval & retention rate.

Our clients on average give us a 5 star rating on Google.

Some of the 80+ companies we worked with to serve you.

You built your family. Let us help you protect them when you are not able.

We believe the right life insurance provides assurance for now and tomorrow.

We find the right fit for you because people are not one size fits all.

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10+min

getting qualified.

20+min

discussing options.

20+min

applying to approval.

200K+

Average coverage.

We help you get the right life insurance that does what you need it to do for you today and for their tomorrow.

We use life insurance from our 80+ life insurance carriers to offer our clients accessible, affordable, and quality life insurance with options tailored to our clients health history. We do not usually do medical exams instead we ask a few general health questions to get our clients covered the right way for their goals and needs.

Death Benefits

Everyone has an expiration date. We just don't know the when or the how. We make sure when you pass away that your family doesn't need to do a Go Fund Me or waste money paying the government an inheritance tax. Instead, we help your beneficiary get a check from the insurance company generally in 30 days or less.

Living Benefits

We do offer on top of traditional insurance the ability to get living benefits where available. You can use the cash value to borrow off of while living. You can also use funds from the death benefit that cover you with chronic, critical, and terminal coverage when possible.

Debbie Jones

Will Adair actually did a Video call and asked questions to find out exactly what kind of Life Insurance etc that we wanted and needed at a reasonable cost. If you ever need anything or have any questions he is always available to answer you.

John Burke

Will Adair is honest dependable and very professional he will get to the problem and solve it and is pleasant to talk to so he has my vote. 100% thank you Will Adair.

Stephanie Elizie

Will was great, very knowledgeable. My husband and I came in not knowing much and Will explained everything clearly. It was a great experience and I would recommend Will and Adair Agency to everyone!

Hear From Our Clients about our agents

honest.

reasonable.

professional.

pleasant.

great.

We are so honored by all of clients positive feedback. We strive for 5 stars because that means we have probably done a good job of following the golden rule. "Do to others like you would want them to do to you."

You can read our reviews on Google.

What we do

1. We protect families like yours

Our focus is to protect our clients families from the reality of death. It is the one thing that is certain for all of us. We do this through mortgage protection, life insurance, retirement planning, and providing for the unexpected through affordable and customized insurance. We partner with over 80 of the top insurance companies in the United States.

2. We do this with good people

We do business with three goals in mind. 1. Help our clients get covered with their best options. 2. Provide agents the opportunity to pursue their extraordinary dreams instead of building someone else's dream. 3. Exemplify our values. Interested?

Know a good person looking for a different career or side hustle?

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Will & Olivia Adair

Agency Owners

Will & Olivia have a genuine passion for people and that’s why they work in the insurance industry. He’s a former pastor. She’s a former therapist. Want to know why they got into insurance?

Visit WillisAdair.com

Fiona

CCO - Chief Cavapoo Officer

Fiona may have failed business and obedience school but she adds her own unique and not quite so professional skillsets. She brings in a little humor everyday especially when things get rough.