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If you’ve worked hard to build a successful business, it is important to make sure it is protected. Part of a strategic business plan includes mitigating risks associated with the loss of a key person or employee. 

In the first part of our annuity series, we discussed how fixed annuities can be a good option to help you grow and protect your retirement savings. Now, let’s review how annuities can help you plan for a lifetime of income security.

June is National Annuity Awareness Month! Annuities tend to be a popular choice for people who are actively planning for retirement. Read on to see how annuities may help you grow and protect your retirement savings.

Like most moms, you’ll spend selfless hours doing for others. Now, take a moment to think about yourself — so you can continue to be resilient and feel confident about the years ahead.

If you’re nearing retirement or actively planning for it, you are probably already aware of annuities and the fact that there are many different kinds. Read on to find out why Americans buy fixed annuities in particular.

When you think about life insurance, you probably associate it with income replacement or other benefits paid when someone passes on. But life insurance has evolved over the years, and now there are policies that provide other benefits you can use during your lifetime.

In general, people like to get things done quickly, and with as few inconveniences as possible. When it comes to getting life insurance, it isn’t much different. See what solutions Sagicor has in place to expedite your life insurance application processes.

Whether you’re purchasing a life insurance policy to protect your family, or an annuity to increase your retirement savings, the financial strength of the company you choose matters. Here's why.

Protection against unforeseen expenses and the loss of income can help your family maintain their lifestyle or keep your business going during a tough time. That’s where term life insurance can come in.

As a single parent, there is not another income available to keep the family afloat should something happen to you... a life insurance policy may just be the thing that keeps your kids going.

Due to the SECURE Act, the tax benefit of stretching withdrawals over a lifetime has changed for IRAs and traditional retirement account assets inherited after January 1, 2020.

As your retirement horizon draws near, it’s wise to have a discussion with your children about your future expectations and with a financial professional about how to bring your expectations to fruition.

Life moves quickly. As we go from one milestone to another, our circumstances change — and so do your life insurance needs. Here are a few milestones that could affect your need for coverage and/or warrant a review of your current policy.

At this point in your life, you could be celebrating the arrival of grandchildren. Be tax-efficient about your retirement because who knows, you may want to help pay for college tuitions or weddings or to help them establish a solid financial footing in life.

Having a plan for care is a key part of retirement planning because it can protect your savings, your spouse and your children. It can also make your family aware of your wishes if there would come a time when you need care.

One of the financial challenges to think about when you’re planning for retirement is the possibility of facing an unexpected health event in the future. It is important to have a plan and share it with spouse, your children and those who are close to you.

According to a survey by the National Association of Insurance Commissioners, many beneficiaries are not prepared for the role of receiving life insurance benefits after the passing of a friend or relative...

Chances are, your children will have their own financial concerns as they get older and when you think about the legacy you plan for them, passing on debt probably doesn’t come to mind.

Retirement could last 20 or more years — especially if you’ve got a family history of longevity. It's important to make sure you’ll have enough income to enjoy your lifestyle for however long your retirement lasts. 

If you’re like many individuals approaching retirement, you’ve probably spent the past 40-something years building your career... rather than abruptly leaving your job at a certain date, think about your options.

We’ve turned the leaf and closed the book on another year — and another decade! And, you know what that means … with the new year comes, new year’s resolutions!

When it comes down to it, the holiday season is about enjoying time with your family, friends, and neighbors... that's what it's all about.

Fall is a beautiful season. It’s a wonderful time when leaves turn a multitude of colors, and the air is crisp with just a hint of the cold that is soon to follow. The changing of the seasons is inevitable, and a good reminder that we, too...should prepare.

Here is the riddle: ‘What can you take, buy, spend, make, find, manage, measure, and waste, but never stop, change, or recover?’ The answer is...

Are you thinking about applying for a small business loan? Using a life insurance policy as collateral for a small business loan could be a good option for you. Read on to learn about "collateral assignment" and how the process works.

For most of us, risk tolerance depends on a number factors. When we’re young, we are ready to throw caution to the wind and try anything — no matter how foolish. As we become older and wiser, we tend to be more cautious...but this is a blog about life insurance, so why are we talking about risk?

If you watch the news or have any social media presence, you’ve probably heard the term ‘fake news.’ September is Life Insurance Awareness Month (LIAM), and while certainly not in the ‘fake news’ category, there are a few myths and misconceptions about life insurance that are easy enough to clear up.

Life insurance is especially important if you have significant financial obligations....The problem that many of us face is, how do you provide this protection without busting an already tight budget? Term Life Insurance may be the solution.

Children, especially small children, are forever asking why. Why is the sky blue? Why do I have to eat my vegetables?... Why provide life insurance? Because it can be the difference between losing someone you love and losing everything....

If you’re nearing retirement or actively planning for it, you are probably already aware of annuities. Finding the right vehicle for your money is an important part of retirement planning, and annuities are a popular choice.

My oldest son is a senior in high school. Time marches on, whether we are ready or not, and new adventures await. One of these new adventures is getting a college education.

Life insurance isn’t priced as a one-size-fits-all product, meaning there are several factors — in addition to your age — that will determine just how much you’ll pay for a policy.

All too often, a life insurance company is selected based on the competitiveness of its quote. Sure, price is an important factor, but it shouldn’t be the only reason for selecting an insurer.

If your financial needs change during the course of your term policy, you can have it converted into a whole life policy. The option is available for everyone who owns a Sagicor Sage Term policy.

“A penny saved is a penny earned”—While those may be good words to live by, 56.3 percent of Americans in a recent survey indicated having less than $1,000 in their savings account.

If you’re in the market for life insurance, you’ve most likely come across some policies that are described as linked to an index. How do you know if that type of policy is right for you?

The golden rule of retirement planning is to save as much as you can, as early as you can. But how can you be certain that you’re considering all your retirement options?

Is life insurance necessary when a parent doesn’t bring home a paycheck?

What’s unique about life insurance is that unlike many other types of insurance such as home and auto, the number one reason to buy life insurance is love.

People who start saving for retirement in their 20s are 66% more likely to retire before age 60 compared to those that begin saving in their 30s.

Abandoned new year resolutions might be the cliché, but that doesn’t mean they’re useless.

Figuring out your life insurance needs is not as complicated as it might seem.

79% of Americans have car insurance. 67% of Americans have home insurance. Only 55% of Americans have life insurance.

These stories are powerful, heartfelt testimonials from individuals and families who have suffered the loss of a spouse or parent. They attest to the struggles of not having life insurance, or what having life insurance has meant to them, after the tragedy.

How does life insurance work?

POP QUIZ: How much does a 20-year, $250,000 policy cost a healthy, non-smoking 30-year-old man each month?

Technology is not the perfect answer to security problems. Information security is more like avoiding potholes than jumping hurdles. Just watch where you step.

Getting life insurance today will provide peace of mind knowing that your loved ones are financially secure should the unexpected happen.

Anyone who has a family, supports a household, pays a mortgage or plans to send children to college can alleviate the financial burdens created by their death, if they have life insurance.