Pension-Retirement & Ins. Services brought to you by Scott DeVore

hOW SECURE IS YOUR PENSION?

pENSION-RETIREMENT 401k and 403b information

Many people today have either a 401k retirement program with a business, or a 403b program with a public institution such as a school or church. These programs are wonderful ... if you understand all about the tax laws and investment vehicles to which they are attached. In recent years many 401k and 403b pensions are in variable investments that are very volatile. It's great when your account is going up, but it is very distressing when they are going down. Because of the current national economic situation, many of these accounts have been going down. This is where we can help. Contact me and let me explain how you can be invested in a program that goes up with the market when it's going up, but locks in your gains and protects you when the market is going down.

hAVE YOUR SECURED YOUR fAMILY'S FUTURE NeedS?

Term Life | Universal Life | Whole Life - Offering plans in Albuquerque and throughout new mexico And texas

Life insurance can help your family maintain the life style they've grown to love, and provide longer-lasting financial security. Your family can use it to help pay for funeral expenses, housing costs, medical bills not covered by health insurance, children’s college debts ... and just about anything else they may need.

Simply put - life insurance can remove many of your family's financial worries. Just start by getting a life insurance quote today. Check these worries off your list and your family will be better protected. Below is a brief description of the 3 main types of Life Insurance policies that you can be covered by. Click on the button below to see how important having life insurance can be.

Is Life Insurance really so IMPORTANT?

TypeS of Life Insurance

Term Life Insurance

Our competitive rated Term life insurance policies are available for ages 18-80. "Term" means you choose to have your policy last for set term lengths—the most common are 10, 15, 20, 30 years. You also choose the coverage that will pay out - $25,000, $50,000, $100,000 or more, depending on your needs. Your payments and benefits are fixed, meaning that neither will change or fluctuate during your term length.

Learn more about Term Life

Universal Life Insurance

Our competitive rated Universal Life Policies are designed to provide people who live in New Mexico and Texas with the flexibility of making changes after the life insurance has been purchased. There are two areas of flexibility: the premium and the death benefit. Your Universal life benefit payout is set by you according to your needs. The benefits can last your entire lifetime, as long as you continue making premium payments.

Learn more about Universal Life

Whole Life Insurance

Permanent Whole Life insurance differs from Term life in that your policy lasts your entire lifetime, as long as you continue to make your payments. The policy also builds cash value over time.

Learn more about Whole Life