Insurance planning

Helping you and your family meet the future with confidence

Investing in peace of mind

The retirement landscape has evolved significantly and you may be facing an entirely new set of risks. The stability of Social Security remains in question, and with advances in modern medicine you may be living longer in retirement. That means your retirement savings may need to last 20 to 25 years or more.

It’s never been more important to protect the wealth you have created with the right planning and insurance coverage, from long-term care to life insurance to annuities.

Long-term care insurance

Increasing longevity and rising health care costs continue to raise important questions. Will you be able to afford healthcare or get the long-term support you need? Though the potential challenges of aging can be a concern, we offer sound strategies to help you prepare you for future care while keeping your financial goals on track.

Long-term care insurance coverage includes home care, assisted living, hospice care, nursing home and Alzheimer's facilities—services generally not covered by health insurance, Medicare or Medicaid. It can also help cover your out-of-pocket expenses.

If you are unable to perform at least two of six defined activities of daily living or require substantial supervision, advance the death benefit of a universal life insurance plan in monthly indemnity payments to help pay for long-term care services. In addition, many policies feature a refund of your premium if the policy isn’t used. To get more information about how specific long-term care plans may be appropriate for your overall wealth strategy, connect with a UBS Financial Advisor today.


Life is unpredictable. That is why it is smart to protect your loved ones and what matters most to you with life insurance. With life insurance, your beneficiaries get a cash death benefit, income tax-free, when you pass away. It can help them pay for living expenses, college tuition and more. Life insurance can also help you create a legacy worth much more than the cost of your policy. Some things to consider:

  • Your current and possible future financial obligations
  • Your spouse’s earnings, savings, investments and life insurance
  • Existing resources, such as survivor’s earnings, savings, investments and other life insurance policies

A UBS Financial Advisor can help you determine the life insurance coverage that is appropriate for your needs.


Annuities can be very useful in adding flexibility and control in retirement planning. They can also help ease concerns about market volatility or the risk of outliving your assets. But it is important to acknowledge that annuities often are not well understood. They have features of both investments and insurance, which make them more complex and often more costly than investing in, for example, mutual funds.

UBS offers a wide range of annuity products from some of the most established and well-respected insurance companies in the U.S. We invite you to have a conversation with a UBS Financial Advisor today to determine whether an annuity would make sense as part of your overall retirement plan.

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