Savings & Retirement Strategies

There are many aspects of life (and health) insurance and annuities that just don't get utilized to their full capabilities in regards to savings and retirement planning. They should never be used as the sole vehicle of your savings or retirement, but easily should be used in conjunction with any savings and retirement plan. Some of the benefits in using insurance this way can be;

Higher interest rate with a cash-value accumulation policy
Tax-deferred growth on interest
Access to a portion of the amount WITHOUT penalty
Tax-free benefit to heirs and beneficiaries

Again, there is no one-size-fits all plan for everyone. The beauty of using life and health insurance this way is it can be tailored to your situation to help you maximize your savings and retirement dollars.

If you would like to see just how easy and cost effective this could be, call or email me today to schedule a no-obligation review of your situation.

Have you been declined?

Has an insurance company denied your application because of your health? Has an agent told you to "not bother" with applying? If you have been declined, or worse-brushed off or told you are too "high-risk" because of your occupation or hobbies, call me. There are many options that may still be available to you depending on your situation*. Some agents or companies don't bother because it takes a little more effort on their part. I believe a person should be treated like, well......a person. Let me provide you with the respect and service you deserve. Call or Email me today!

*There are some situations that are uninsurable, so no-one should ever assume there is ALWAYS something available. I will do my best to provide all the information you need to understand the entire process.

Have a question?

I always try to answer my phone when it rings, but I will always return a call made to me. I'm available seven days a week from 8am - 9:30pm. Whether you have a simple question, or an elaborate claim that needs to be processed, please don't hesitate to contact me.

(b) 207.370.0850 or 800.457.7035

(m) 781.589.7672

email - kevin@kmsinsurance.com