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According to a 2011 Gallup survey, the #1 financial concern seniors and baby boomers have is outliving their money. One reason for concern is because people are living longer. The society of Actuaries reports there is a 50% chance one member of a 65-year-old couple will live age 92, and a 25% chance one will live to age 97 or older.

While it’s good news we are living longer, the bad news is there are major threats to achieving and maintain financial security as we age.

Some of those threats include:

Suffering investment losses right before and after retirement.
Lack of guaranteed, inflation-protected, lifetime income to supplement social security income.
Catastrophic health care costs requiring long-term care. A new case of Alzheimer’s disease is diagnosed every 77 seconds; 50% of people over 85 will suffer from it.
Increasing taxes on income, social security, property and estates.


Things are different today. Past generations could count on 60-90% of their income coming from guaranteed pensions and social security.

Another reason retiring boomers and seniors are concerned about outliving their money is because they don’t have a PLAN. How can you put a puzzle together if you don’t know what the picture on the box looks like? Start by working with a retirement professional who understands how to help you maintain and grow the two phases of retirement: “accumulation” phase, the “protection” phase while maintaining growth potential.

Income annuities are a new financial tool gaining popularity. They provide protection against losses of principal while assuring a reliable monthly income that cannot be outlived. (Guarantees are based on the claims-paying ability of the issuing insurance company. Fees and some restrictions apply.)

There are also innovative new life insurance products that can cover the costs of long-term care, and if the benefit is never used, the money is paid to heirs’ income tax free.

The retirement income puzzle can be solved when you have a clear goal and a trusted advisor who can help you plan and put the pieces together. Call All Types Insurance Agency today for help solving the puzzle.


We know everybody has specific needs when it comes to Insurance. At All Types insurance we will help you invest into an insurance that fits YOUR specific needs. We also offer both dental and vision insurance. If you are interested in learning more, contact us today!


With the new health care laws going into effect, Medicare Insurance is a very intricate class of coverage that several options that many people can benefit. Whether you need help understanding the option available or questions about how to qualify, we can help!


Not all Life insurance policies are the same. We understand that this is not a very enthusiastic topic to deal with. With our guidance and knowledge, we will help you through the different polices and plans in order to find the perfect choice for you and your family.

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All Types Insurance

805 Twelve Bridges Dr #15,
Lincoln, CA 95648

We are an Insurance agency specializing in Health insurance, including Medicare related products.
With 16 years of experience we will strive to help you choose the right insurance policy.

© 2017 All Types Ins.


805 Twelve Bridges Dr., Suite #15 Lincoln, CA 95648

PHONE: 916-408-7665

DOI# 0G72993