Insurance Planning

Reaching your financial goals involves protecting your assets as well as managing them. At MAC , we recommend a balanced and customized approach to asset and risk management. Protecting the surviving dependents and protecting the assets built over a period of time against the uncertainties take precede.

Life Insurance

Life insurance solutions can help you plan your estate and secure the future of those who matter to you most by shielding them from the financial consequences of your death. Insurance proceeds are income tax-free and are paid directly to your beneficiaries. Because the process bypasses probate, it saves time and money.

Why is Life Insurance Important?

Life Insurance Planning with MAC

When you begin your life insurance search with MAC, we will guide you through every step of the process. Working together, we will: 1. Define the role of life insurance in your financial plan2. Explore what matters most to you3. Assess your coverage needs. We will figure out how much Life Insurance you need by gathering information on? Current monthly expenses? Other family commitments (Lump Sum Payments)? Current life insurance and savings? Survivor's expected net annual income? Income required covering expenses for life? Total basic survivor needs4. Select the right type of coverage for you for a professional fee.

How long-term care insurance can help

By providing access to long-term care insurance, MAC help their clients prepare for the future and focus their energy on what's really important ? enjoying life.

MAC offer a full range of high-quality insurance advice for a professional fees.


An annuity (periodical payments to you as and when you need them most) can be a valuable tool for investing and saving for retirement. Plus, the policy's tax deferral gives you the freedom to control when you pay taxes on your earnings. It also helps to protect your retirement income. Many people have made annuities part of their retirement plan with good reason. While you cannot predict market performance, inflation, future life events or how long you'll live, annuities can help take these retirement risks out of the equation by providing guarantees that protect your retirement income needs.

How Annuities Work

Simply put, an annuity is a contract between you and an insurance company. You pay the insurance company one or more purchase payments. In exchange, you'll have access to convenient retirement income payout features and optional benefits (at additional cost), depending on the type of annuity. Annuities are unique because of their combination of tax deferral and the opportunity for a guaranteed stream of income payments.

Fixed and variable annuities

There are two types of annuities ? fixed and variable. The main difference is based on how the purchase payments are allocated. A financial planner who is familiar with your financial goals, objectives and risk tolerance can help you determine which type of annuity might be right for you.