Smart Financial Planning
Your Option Insurance
We provide cutting-edge products that will provide safety for the client’s investments, leveraging assets up to 3 times (3X) their value to provide for long-term care costs.
We are committed to maintaining the highest standards of integrity and professionalism in our relationship with you, the client. We endeavor to know and understand your financial situation and provide you with the highest quality information, services, and products to help you reach your financial goals.
Our Mission
Your Option Insurance mission shows how investments can be leveraged, protected, and used tax free to pay for long term care cost.
Annuities versus
Stocks and Bonds
| Annuities | Stocks | Bonds | |
|---|---|---|---|
| Your Principal Investment is Protected and Not at Risk | YES | NO | YES |
| Considered a Low-Risk Investment Product | YES | NO | YES |
| Can be Converted into Guaranteed Lifetime Payments | YES | NO | NO |
| Provides Long Term Care Benefits | YES | NO | NO |
Our Services
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How are annuities safer than
other options
Annuities operate differently from similar products rather than investments. Depending on the specific type of annuity, they generally do not face market risk like stocks or bonds. Your principal investment is also safeguarded, eliminating the risk of losing your capital.
Also, the annuitization process can provide you with a continuous income stream.
While bonds offer a reliable flow of interest income until the mature (end of bond term for example bond matures in 10 years, interest payments stop).
THE EXPENSES OF LONG TERM CARE
- Long term care is increasingly alarming for numerous Americans and their families.
- As reported by the US Department of Health and Human Services, the average monthly fee for a semi-private room in a nursing home starts at $6,844.
- A long term care rider is an addition to your life insurance policy or an annuity policy that permits you to utilize part or all of the death benefit or accumulated value for long term care needs tax free while you are still living.
- This long term care rider can assist in covering long term care cost tax free, that traditional health insurance may not include, such as home health aide, a long term care facility, or nursing home.
- Health insurance typically covers expenses like doctor appointments, hospital admissions, or prescription medications.
- An insurance policy or annuity policy can provide long term care riders that are included in a permanent policy, such as universal life insurance, whole life insurance, indexed universal life insurance, and Annuities with long term care riders.
- Consult Jimmy Bottoms (404) 393-6565 or jimmybottoms@youroptioninsurance.com
Are Your Investments Safe
Key Insights of Annuities
- Annuities provide a reliable income stream, ensuring financial security during retirement and safeguarding against the risk of outliving your savings.
- Contributions to annuities grow on a tax deferred basis, allowing for larger growth through compounding and reduced tax liabilities in retirement.
- There are no IRS limits on contributions to annuities, and annuities can be tailored to fit your individual requirements. making them versatile choice for retirement planning.
- Certain annuities offer riders that deliver additional payments for long term care needs.
- Fixed Annuities ensure a stable return, shielding against fluctuations in interest rates and subpar investment performance.
Protect Investment Since 1982!
Annuities with LTC
Lide Insurance with LTC
Call Jimmy Bottoms: (404) 392 6585
Email jimmybottoms@youroptioninsurance.com
Simple Steps to Secure Your Financial Future
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Personalized Plan Selection
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What Our Clients Say About Us
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