Insurance and Annuities

Not every retiree needs an annuity. Not every retirement plan needs life insurance. At Legacy Ascent, we evaluate fixed insurance products the same way we evaluate every other planning decision objectively, in the context of your written retirement plan, and only when the numbers clearly support it.

Our fiduciary advisors review fixed and fixed-indexed annuities, life insurance, and long-term care solutions across multiple carriers with full transparency on costs, surrender charges, and fee structures so you can make a confident, informed decision without pressure.

Whether you are wondering if an annuity belongs in your income plan, unsure whether to keep an existing policy, or concerned about the financial impact of long-term care, our insurance planning process gives you the honest analysis you need before committing to a product you may hold for decades.

The insurance and annuity marketplace is complex, commission-driven, and full of products that sound better than they are. Without an objective advisor running the numbers on your behalf, it is easy to buy the wrong product — or miss a gap in coverage that could devastate your retirement.

Objective insurance and annuity guidance helps you:

• Determine whether a fixed income stream would strengthen or complicate your plan
• Understand the true costs, surrender periods, and limitations before you commit
• Protect your surviving spouse from income loss if you pass first
• Build a long-term care strategy before it becomes an emergency decision
• Review existing policies to confirm they still fit your plan and are priced fairly
• Make product decisions based on analysis — not sales pressure

Without objective guidance, retirees often end up with insurance products that are too expensive, poorly structured, or simply unnecessary for their situation.

At Legacy Ascent, we will tell you directly when insurance fits your plan — and equally directly when it does not.

 Unlike advisors who lead with products or earn commissions that create conflicts of interest, Legacy Ascent evaluates insurance solutions within your written retirement plan,  recommending them only when the analysis clearly supports it.

Our Insurance Planning Framework Includes:

✔ Objective annuity analysis across multiple carriers — not a single product push 

✔ Life insurance needs analysis based on your actual income replacement and estate goals 

✔ Long-term care risk assessment — insurance, self-insure, or hybrid approach 

✔ Full carrier and cost transparency: surrender charges, fees, and holding periods disclosed 

✔ Beneficiary structure review coordinated with your estate plan 

✔ Existing policy audit — "Should I keep this?" answered with real analysis 

✔ Every recommendation tied back to your written retirement income strategy

This approach ensures that any insurance product we recommend earns its place in your plan — and that you fully understand what you own and why.

Many retirees either carry the wrong insurance products or are missing critical coverage, often without realizing it until a major life event reveals the gap.

Our planning process commonly uncovers:

• Annuities purchased without a clear income need  creating unnecessary fees and illiquidity
• Life insurance policies that are overpriced, underperforming, or no longer necessary
• No long-term care plan in place despite significant assets at risk
• Beneficiary designations on policies that conflict with estate planning intentions
• Surrender charges and holding periods that were never fully explained at purchase
• Insurance gaps that leave a surviving spouse with a significant income shortfall
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Identifying and correcting these early can protect your assets, preserve your income, and give your family a plan they can count on.