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See how Anderson Financial can change your future

We offer a wide variety of products for individuals and businesses. 

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Learn how you can use various products for estate and income planning

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How can Life Insurance benefit your estate?

Life insurance can benefit your Estate by providing financial protections to

your loved ones. Let’s say you have some outstanding debts at the time

of your death. While your family members would not be directly

responsible for paying them back, creditors could still go after your

Estate in probate court. Ultimately this could reduce your Estate and

what you left behind for loved ones. Life Insurance is one way to

protect your family’s finances, as the funds could be used to pay off


Father and Daughter

Estate Planning

Life Insurance can be used in Estate Planning a few different ways, but is

often used as a way to provide extra financial support to loved ones.

Life Insurance policies can help provide immediate funds to your family members which can be used to replace lost income, cover funeral costs, and pay off any debts. In many cases, these policies are exempt from the same taxes that your Estate will be subject to after death. It is not

uncommon for families to use Life Insurance funds to cover federal

Estate taxes, especially if there are any delays in the distribution of assets. Life Insurance is also frequently used in Estate Planning as a way to divide ownership of a family business. Many business owners will

take out a life insurance policy that specifically designates how

ownership will be divided after their death. If ownership is split

between heirs, each individual can then decide to sell or keep their

stake in the business. The purpose of these policies is to ensure a

smooth transition of ownership and to maintain business operations in

the event of death in the family.

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Income Planning


Although there are many potential sources of income there are only two that are guaranteed for life, Social Security and annuities. And of the several types of annuities we recommend, Fixed Indexed Annuities have unparalleled versatility in providing preservation, growth, and lifetime income for retirement.

Social Security was created to provide you with income for life. This income will last a lifetime because of our government’s ability to print money and raise taxes to keep the income coming. Most are well aware of Social Security. Although Social Security was never intended to be our sole source of retirement funds, for many it represents 1/3 to 1/2 of their retirement income.  


Fixed Indexed Annuities

are a type of annuity that provide several attractive features. First, there is no market risk to your principal. Second, you can grow your principal, benefiting by a rising market, but never be hurt when it falls. Third, you can “turn on” income at any time, even as early as thirty days after you have purchased a Fixed Indexed Annuity. Options exist that allow you to fund the annuity with either IRA/401k pre-tax

funds or with already taxed funds. Using an IRA or 401k to buy an annuity does not create a taxable event. Your funds will continue to grow tax-free until you start taking income.

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