Term life insurance is essentially “betting short” on yourself (protecting your family in case you don’t live to the end of your term)
Insurance that pays you while you’re still alive may require years of planning and funding and payouts are often lower than needed
LTC insurance can reject up to 40% of applicants due to preexisting conditions
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Annuities only cover recurring and predictable expenses
They may require large upfront investments and usually tie up a majority of your portfolio
They’re typically vulnerable to inflation, so they could still not be enough
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Even with an expert financial advisor, it's impossible to plan for the unknown
The "one-size fits all" approach to "save more, spend less" does not work
Decumulation strategies target low cash balances at old age when assets may be needed most
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Coming from McKinsey, Allianz, Gallagher, and the SEC, we bring a combined 70 years of insurance, finance, and securities experience to Savvly.
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