The Aspirement

How living benefits can help in case of chronic, terminal or critical illness

F&G — Thu, 05 Jun 2025 17:16:20 GMT

Life insurance can protect your loved ones after your death and bring benefits during your lifetime. With a living benefits rider – also known as an accelerated death benefit rider – your indexed universal life (IUL) policy can help protect you financially in the event of a qualifying chronic^1,3, terminal^1,3or critical^1,2,3 illness. This may include:

Learn the truth behind 6 common myths about IUL policies | F&G

F&G — Thu, 29 May 2025 18:40:38 GMT

If you’ve talked to friends or family about life insurance, you’ve likely encountered some misconceptions about it. There are pros and cons with any financial product, and life insurance is no different – but it’s important to base lifelong financial decisions on real facts. Let's get to the bottom of some common life insurance misconceptions so you can decide if an indexed universal life (IUL) policy is right for you.

Diversify your retirement savings | F&G

F&G — Wed, 02 Oct 2024 14:30:12 GMT

Have you heard the saying “don’t put all your eggs in one basket”? This is a wise saying when it comes to your retirement savings.

Investing can help your money grow, but it also comes with risk. If all your savings are tied to one type of investment and it underperforms, your retirement plan could take a hit. Diversification helps reduce that risk by spreading your money across different options.

As Investopedia explains, diversification is “the process of spreading investments across different asset classes, industries and geographic regions to reduce the overall risk.”

When your savings are diversified, poor performance in one area can be offset by stronger performance in another. This balance can help you avoid dramatic swings in value and work toward steadier, more reliable growth.

The importance of life insurance for stay-at-home parents | F&G

F&G — Thu, 02 May 2024 12:52:56 GMT

You might think life insurance is only important for a family's breadwinner. However, parents who stay at home to care for their families provide significant financial value. When planning for your family's future, consider life insurance for members who don't work outside of the home, as well as for those who do.

Plan for the next generation with juvenile FIUL insurance | F&G

F&G — Wed, 07 Sep 2022 10:00:00 GMT

At F&G, we’re proud to assist in the multi-generational planning for families by providing an indexed universal life (IUL) solution on a juvenile insured (age 15 days to 17 years).

Learn the truth behind 6 common annuity myths | F&G

F&G — Wed, 04 May 2022 11:00:00 GMT

As you learn about annuities, you may come across some common annuity myths. At F&G, we value transparency, and we’re prepared to clarify the facts. Let’s take a look at those annuity myths and get some answers.

What are ‘living benefits’ on a life insurance policy? | F&G

F&G — Wed, 06 Apr 2022 10:00:00 GMT

Life insurance can provide many solutions for you, and it’s an important part in creating a secure financial plan. Most importantly, it provides a death benefit when your family may need it most. Life insurance can also offer additional benefits for you while you’re still living.

3 factors to help determine how much life insurance you need | F&G

Jamie Conlon — Wed, 02 Feb 2022 10:00:00 GMT

When buying life insurance, a question you may ask yourself is, “How much life insurance do I really need?” We’re sharing key factors to consider when determining the right amount of life insurance for your personal situation.

What is a multi-year guaranteed annuity? | F&G

F&G — Wed, 06 Oct 2021 10:00:00 GMT

Among the different types of annuities, a MYGA—or multi-year guaranteed annuity—offers a straightforward way to earn tax-deferred interest at a fixed rate of return over time. Like all annuities, MYGAs are long-term retirement planning tools that can provide a steady, predictable income stream for life, regardless of market fluctuations or longevity. What sets MYGAs apart is their conservative approach, offering predictable investment growth and little risk.

How Income Annuities Can Benefit Your Retirement Plan | F&G

F&G — Wed, 04 Aug 2021 10:00:00 GMT

Do you like the idea of putting a plan in place for your retirement income? If so, let’s dig into how an income annuity could benefit your retirement plan.