Life insurance, long-term care insurance and annuities

Insurance planning to help you protect your wealth and pursue your future with confidence

Investing in peace of mind

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

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

 
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Life insurance

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.

 
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Long-term care insurance

Increasing longevity and rising healthcare costs continue to raise important questions. Will you be able to afford healthcare? Can you get the long-term support you need? 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.

Though aging has its challenges, we offer sound strategies to help you prepare you for future care while keeping your financial goals on track. To get more guidance for your individual wealth strategy, connect with a UBS Financial Advisor today.

 
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Annuities

Annuities add 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 note 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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* UBS surveyed more than 6,200 high net worth investors globally (with at least $1 million in investable assets) between July 2019 and August 2019. Survey results are based on investor responses (either “agree or disagree”) to specific questions about the UBS Wealth Way approach as described herein.

Disclosure

UBS Wealth Way is an approach incorporating Liquidity. Longevity. Legacy. strategies that UBS Financial Services Inc. and our Financial Advisors can use to assist clients in exploring and pursuing their wealth management needs and goals over different time frames. This approach is not a promise or guarantee that wealth, or any financial results, can or will be achieved. All investments involve the risk of loss, including the risk of loss of the entire investment. Time frames may vary. Strategies are subject to individual client goals, objectives and suitability.

2024-1518752

Expiration : 4/30/2025 Approval date: 4/25/2024 Review Code: IS2402202