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Americans For Life Blog

Americans for Life Financial Services provides you with information and helpful tips from the financial services industry.

Finding the right retirement services company to work with can be a difficult task no matter how large or small your retirement account is. You need to find someone who is ethical, knowledgeable, and can help you grow your account for years to come. Most importantly, you need to find a team of professionals you can trust. You are hiring a company to handle your money with your best interest first.

How will you know that you’ve found your financial services company? Consider the following four factors when meeting with financial service providers.


You need to start thinking about saving for retirement as soon as you enter the workforce. Employers typically make this easy by offering a 401(k) plan, or a 403(b) plan in the case of tax-exempt organizations like schools and hospitals. 401(k) and 403(b) accounts are considered qualified plans and must meet standards set by the Employee Retirement Income Act (ERISA). They can be excellent tools for building your retirement income, but they also come with certain restrictions.

We’ll look at some of the benefits and limitations of qualified retirement plans. Click the link below.

Absolutely. Non-qualified company retirement plans are perfect for bridging the gap between major promotions and top-level positions, as well as compensating hardworking high-level executives and valued employees.

As salaries and employee value rise according to pay grade, the tax burden on the employee and employer also grows. Plus, ambitious employees will always be searching for ways to move upward within their companies. Employers, inevitably, will need a way to compensate valuable employees for their work when a promotion is unavailable.


The terms whole and term in the life insurance industry refer to the amount of time that a life insurance policy will pay death benefits. 

The differences, however, go deeper. Each policy comes with a set of rules that make it beneficial in varying scenarios. Life insurance policies can be used to protect your family or as a safe, tax-sheltered investment. Weighing the risks and benefits of each will allow you to get the most out of your insurance.

Clink below, and we’ll look which life insurance policy will best benefit you and your family.


Just like finding the right insurance coverage, signing up for Medicare requires careful consideration of the available options. Some options, however, carry more weight than others, and retirees who are just getting started on Medicare may find it challenging to weigh options properly.

To help with Medicare plan selection, we’ve identified some of the most common and consequential mistakes which retirees run into when choosing their Medicare coverage.


It’s not hard to see the appeal of alternative investments (defined as investments in any asset class other than stocks, bonds, and cash). Due to their low correlation with the stock market, they can help mitigate the risk of market volatility and often have a higher expected return than stocks and bonds. But does it make sense for you to include alternative investments in your portfolio as you approach retirement?

There are a lot of factors you’ll need to consider before dipping a toe into alternative investing, which we look at in this article. 


While many individuals focus their investment strategy on stocks and bonds, it’s becoming increasingly common for savvy investors to look for alternatives outside of the stock market.

Alternative investments can provide a dependable means of growing wealth over time and can be a prudent choice for people who are willing to invest over a long time frame in exchange for a higher return potential.

If alternative investments interest you continue reading to find out more.


When many people think of life insurance, they think of the death benefits, however, cash-value life insurance offers more than just a death benefit: as the name implies, it allows the policyholder to grow the wealth in their account over their lifetime. Cash-value life insurance can be used as a tax-sheltered investment and can even be tapped into for retirement income—with some stipulations.


If you’re approaching your initial enrollment period for Medicare, you may be wondering whether you should choose a Medicare supplement or a Medicare Advantage plan. 

 Medicare Advantage plans are required to cover everything that Original Medicare does (except for hospice care) and may also include benefits such as dental, vision, hearing, and prescription drug coverage.

This article may help in your decision process, and if Medicare Advantage is right for you.


The individual retirement account (IRA) is a smart move for forward-thinking American workers. It grows through investment and contribution and either provides immediate tax incentives or even better tax incentives upon retirement. 

In fact, that’s the main difference between a traditional IRA and a Roth IRA: traditional IRAs let you avoid paying taxes on contributions, but Roth IRAs let you avoid paying taxes on withdrawals.

Would you rather pay tax on the seed or the harvest?


Diversification of your investment portfolio has long been considered a positive way to ensure overall growth in your investments. But there are parts of diversification that may not be immediately apparent, including the correlation of assets.

Seeking assets that are not correlated helps you diversify safely.


In short, the zero-dollar premium Medicare Advantage plan balances up-front costs that you would ordinarily pay (your premium) with back-end costs that you would bear after receiving medical care (your bill) in favor of your premium.

Does a zero premium plan fit into your budget? 


Indexed universal life insurance (IUL) is a complex insurance product that offers both a death benefit and a cash value component. It isn’t right for every investor, but it has a number of features that make it appealing to investors who are relatively experienced, have maxed out other tax-deferred investments, and want to limit their market risk. 


Life insurance is just as much an investment tool as it is protection for your family in the event of death. As a permanent life insurance policy with a savings component, cash-value life insurance is perfect as a source for cash when in need, a means of paying insurance premiums, or as a source of loans.


Depending on your age, Social Security can help replace a good portion of your income. If you put enough into the system, it can be a significant part of your retirement income.  An Americans for Life Advisor can walk you through how much Social Security income you’ll receive based on when you retire and how long you defer receiving it.


Misconceptions about alternative investments are out there, and they are largely the result of a handful of negative experiences that simply don’t compare in number to the positive ones. Investment does require time, effort, and the willingness to take on a bit of risk – but alternative investments can be some of the soundest and least risky of your options.


When you’re young and healthy, you’re most likely to think that there is no dire need to purchase a life insurance policy. But your youth and health are two of the most pertinent reasons why buying life insurance while young is a smart move.


The FAFSA (Free Application for Federal Student Aid) is the universal application for financial aid. All colleges require the FAFSA to dispense aid if it comes from the federal government, while many also require the CSS Profile, a third-party application.


When it was established in 1935, Social Security was a definitive answer to the federal responsibility of elderly care. It counted on contributions made by hardworking Americans from their paychecks into Social Security System. 


Even in the glory of retirement, there are still responsibilities you may have, especially if you have raised a family along your journey. There is no better way to show your family you care than by putting them first and thinking about how they will make the most of their lives, as well, once you move on.


There is a recent trend in the modern financial climate and age of prolific internet connectivity of crowdfunding financial help in crisis situations. In the event of an unexpected death, we believe that life insurance is your best option.


Preparing for retirement means, for most people, investing early in retirement accounts, considering the weight of available pensions, and keeping as much income flowing as possible post-retirement.

For some investors, getting a Roth IRA moving from the start may not be a possibility. Internal Revenue Service (IRS) standards place income caps on Roth IRA investments since they allow investors to collect money post-retirement without having to pay tax on that money.


Insurance companies couldn’t offer financial protection if they didn’t somehow make a profit. They do so by weighing risks and adjusting the policies that they offer according to those risks. Highly skilled professionals perform risk assessment and turn the results into a rating, which the company then uses to offer a certain amount of protection at a certain price. 


A life settlement consists of selling a life insurance policy to a company or agency other than your original insurance provider. When you sell your life insurance package, you usually receive more money than you would if you canceled or surrendered your policy. 


Life insurance is sometimes a less talked about topic, yet, one of the most underutilized investments for financial prosperity. Turn to us to help you navigate these unexplored benefits and find the right life insurance plan for you today.



There’re many things that go into creating an estate plan. Your estate is everything you own. This includes your car, home, bank accounts, investments, life insurance policies, personal possessions, and anything considered to be an asset. An estate plan is a plan put in place to make sure that your final property and assets, along with your healthcare wishes are carried out the way you want in the event of death.

Mission Statement

Americans for Life Financial Services offers retirement solutions for institutional investors and individuals. Knowledge and results help our clients make informed decisions to meet their financial goals. 

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    35 N. Main St. Suite 3A-4

    Southington, CT 06489

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