Insurance and annuities

Understand how insurance or annuities can help give you confidence that you will achieve your ultimate financial goals

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.

With the challenging market and economic environment of the past few years, it is critical to protect the wealth you have created with the right planning, especially for long-term care.


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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