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Life Insurance

Life Insurance Denver

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​Many individuals view life insurance as just a way to protect their families after the loss of a primary breadwinner. While this is true, life insurance has the potential to provide a great deal more when it is utilized properly in your retirement income strategy. If you're thinking about creating a strategy that includes life insurance in Denver, it can be overwhelming. To aid in this and help create a well prepared decision, it can help to work with a financial advisor in Denver from our company. We have ways to utilize life insurance so that it not only provides you with independence, but can help provide tax-free cash flow and may even boost the total returns of your portfolio.


Preserving Retirement Income


Initiating a retirement plan that includes life insurance in Denver is a key element in the foundation that makes up your overall financial strategy for the future. If a spouse passes away during retirement years, the surviving spouse can often struggle due to the loss of Social Security benefits. A life insurance policy can help ensure that there's money available to take the place of Social Security or some other type of retirement income. It is also a good idea to have a financial professional available who can provide advice on the sudden wealth that's created when a policy starts paying out funds.

Helps Keep Your Savings for Retirement on Track

If you're an individual who is getting closer to retirement but still has 10 to 15 years left, it can be suggested to purchase a 10 to 15-year term life insurance policy. These are often inexpensive and won't place too much of a financial burden on your lifestyle. You may even want to consider obtaining a policy that can be converted to a permanent policy, which comes in handy if that need arises in the future. As you can see, there are many reasons why it's helpful to utilize the assistance that a dedicated financial advisor can provide when you're planning for your financial future.

Investment Asset Returns

It's almost impossible to make a decent return with interest rates near historic lows. However, it's still important to make sure you have some type of less risky investment in your retirement portfolio. You might want to consider utilizing a life insurance policy as a substitute for bonds. You may want to talk with one of our dedicated advisors to discuss having a policy in your portfolio.

Preferential Tax Treatment

Life insurance also offers a way to provide tax-deferred growth, cash flow and death benefits when it is properly structured in your portfolio. How life insurance is treated when taxes are paid can provide you with increased flexibility. It can also give you a non-correlated asset that can be added to your portfolio, which and help provide even more diversification. By getting assistance from a financial advisor in Denver NC, it can give you several options that you probably wouldn't have thought of on your own.

Be sure to contact a member of our team when you are ready to incorporate life insurance into your portfolio. We are always happy to assist new clients who want to meet their financial goals.

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*Diversification does not ensure a profit or guarantee against a loss.
​*Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC. Investment advisory services are offered through Raymond James Financial Services Advisors, Inc.

Raymond James financial advisors may only conduct business with residents of the states and/or jurisdictions for which they are properly registered. Therefore, a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability.


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  • Home
  • Services
    • 401K Options
    • Retirement Planning
    • College Planning
    • Estate Planning
    • Life Insurance
  • Videos
  • Team
  • Contact
  • Duke Energy Employees
  • Daimler Trucks Employees