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Insurance Strategies

We believe that integrating insurance products into your financial plan is essential for both individuals and businesses, as they help provide crucial protection and long-term financial confidence. At SBS Financial, every advisor is also a licensed insurance agent, helping to ensure you receive  guidance as you navigate your options. Our commitment is to help you find the ideal strategies that align with your financial plan.

Client Centered

Term life insurance can offer affordable coverage during your earning years, safeguarding loved ones from financial burdens. Whole life insurance can provide lifelong protection but also builds cash value for purposes like estate planning and retirement income. Annuities may ensure a steady income stream in retirement by converting savings into reliable payments. Together, these products help create a comprehensive framework that mitigates risk, facilitates wealth accumulation, and enhances overall financial stability.

Our team takes the time to understand your goals and explain your options clearly. Whether you're planning for retirement, safeguarding your family, or building wealth, our team of licensed agents is here to support you with personalized advice. 

*These policies have exclusions and/or limitations. The cost and availability of life insurance depend on factors such as age, health and the type and amount of insurance purchased. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition if a policy is surrendered prematurely, there may be surrender charges and income tax implications. Guarantees are based on the claims paying ability of the insurance company.
Investors should consider the investment objectives, risks, and charges and expenses of variable annuities carefully before investing. Partial withdrawals may also reduce benefits available under the contract as well as the amount available upon a full surrender. An investment in variable annuities involves risk, including possible loss of principal. The contracts, when redeemed, may be worth more or less than the original investment.

*Please keep in mind that insurance companies alone determine insurability and some people may be deemed uninsurable because of health reasons, occupation, and lifestyle choices.

*Fixed and Variable annuities are suitable for long-term investing, such as retirement investing.  Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply.  Variable annuities are subject to market risk and may lose value.

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