Kairos Insurance Services has answers to many common insurance and retirement questions. Below you’ll find research and insights to help you make informed decisions about your financial security.

COMPANIES REPRESENTED

Life Insurance

Life Insurance and your Business What life insurance can do for your business? Life insurance can play a key role in business planning, from start up to exit-strategy.

Life Insurance and You What Stage In Life are You? No matter what stage, life insurance is about life – your life. It’s about how you want to live your life right now and 20 years from now. It’s also about how your loved ones will live when you’re gone.

Life Insurance: Starting Out in Life Starting Out? First job, single, newly married, new parents, single parent… Life insurance for you who are starting out in life.

Life Insurance: Pinnacle of Life Moving Up? Buying a home, starting a business, kids in college… Life insurance for you who are at the pinnacle of life.

Life Insurance: Prime of Life You’ve Arrived? Grandchildren, Retirement, Your child’s wedding…Life insurance for you who are in the prime of life.

Retirement Preparedness

The Four Pillars of U.S. Retirement Overview

Annuities

The Modern Annuity This article describes the new generation of annuities, with guaranteed lifetime income benefits, and the role they can play in retirement income planning.

Should Americans Be Insuring Their Retirement Income? This paper, using research provided by Ernst & Young’s Insurance and Actuarial Advisory Services practice, discusses the impact that increased longevity, market uncertainty, and an extended period of low interest rates can have on retirement income. It finds that retirees can experience significant income shortfalls if income is not protected against these risks.

Social Security

Social Security Fix-It Book Provided courtesy of the Center for Retirement Research at Boston College, this guide provides a review of the program, its financing problem, and the leading proposals for eliminating the shortfall.

Social Security Claiming Guide Provided courtesy of the Center for Retirement Research at Boston College, this guide will help you with the most important financial decision you’ll likely make.

Innovative Strategies to Help Maximize Social Security Benefits A significant concern for people approaching retirement is that they won’t have enough money to maintain their lifestyle in retirement. Maximizing Social Security benefits has become much more critical now that post-retirement risk has largely shifted from the employer to the individual. This results from the move away from traditional defined benefit (DB) pensions to defined contribution (DC) plans such as 401(k)s.