If helping loved ones maintain a standard of living and avoid financial hardships after your passing is a priority for you, life insurance products can help.

A general rule is that you may want to seek coverage between five and seven times your gross annual income. As far as the various types of policies go, they can generally be placed into one of two categories: term and permanent.
Term insurance generally provides coverage for a specified period of time and pays out a specified amount of coverage to your beneficiaries only if you die within that time period. A permanent insurance policy, on the other hand, will stay permanently in effect for the rest of your life, as long as premiums continue to be paid.

When weighing whether to move forward with either a life insurance policy or an annuity, the best answer could very well be both.

At Ross Advisory Group and Retirement Services, you'll have a partner that can explain why — and a team that focuses on each of those areas.

An annuity is a contract you purchase from an insurance company. For the premium you pay, you receive certain fixed and/or variable interest crediting options able to compound tax deferred until withdrawn. Think of it this way: While life insurance covers you and your beneficiaries should you pass away earlier than expected, annuities have your back should the opposite occur — you run low on income streams in a longer-than-anticipated final chapter.

Our team will work hand-in-hand with you on these insurance options to address various senarios.

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Want to learn more about our life insurance offerings?

Reach our team by calling 229.377.0880 or sending an email to Or, if you prefer, you can set up an in-person meeting by clicking the link below.

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