Life Insurance & Annuties

PROTECTION STRATEGY

Life Insurance and Annuities Built Into a Bigger Plan

Life insurance and annuities are powerful tools when they’re used intentionally. At AASI Financial Services, insurance is never treated as a standalone product. It’s integrated into your broader financial strategy to protect your family, support long-term goals, and create stability through every stage of life. Every recommendation is grounded in how it fits within your financial plan, tax strategy, and long-term objectives.

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Insurance as Strategy, Not a Sales Pitch

Coverage Designed Around Your Life & Income

Insurance should solve real problems—not create confusion or pressure. We approach life insurance and annuities through careful analysis, not quotas. Every recommendation is grounded in how it fits within your financial plan, tax strategy, and long-term objectives.

Life Insurance

Life insurance plays different roles depending on your stage of life, income, and responsibilities. We help determine the right amount and type of coverage based on a clear needs analysis—not assumptions.


Common planning uses include:

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Term Life Insurance
Cost-effective coverage for a defined period, often used for income replacement, mortgage protection, or supporting children during key years.
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Permanent Life Insurance
Policies designed to last a lifetime, sometimes used for legacy planning, tax efficiency, or long-term protection for higher earners.

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Business & Key Person Coverage
Protection designed for business owners to help stabilize operations if a key individual is no longer able to contribute

Annuity Planning

For some retirees, the biggest concern isn’t market performance—it’s running out of income. Annuities can help convert a portion of savings into a predictable income stream, similar to creating a personal pension.


We help evaluate whether annuities make sense within your retirement plan and, if so, which structure fits your goals.


High-level annuity considerations include:



  • Fixed annuities for stability and predictable income
  • Indexed or variable options for growth potential
  • Immediate or deferred income timing


Because we’re not tied to a single provider, our guidance stays focused on suitability—not product placement.

Life Insurance & Annuity FAQs

  • Do I need life insurance if I already have investments?

    Often, yes. Investments are designed to grow wealth, while life insurance is designed to protect against risk. We help evaluate how the two should work together.

  • Are annuities right for everyone?

    No. Annuities are useful in specific situations, particularly for retirement income stability. We help determine whether they add value to your plan—or if another strategy makes more sense.

  • How does insurance fit into financial planning?

    Insurance decisions affect taxes, estate outcomes, retirement income, and risk exposure. That’s why we integrate insurance planning with your broader financial strategy.

  • Can business owners use insurance strategically?

    Yes. Insurance is often used to protect businesses, fund succession plans, or support ownership transitions.