Insurance Solutions

Providing financial security for future events

Insurance is not just for those unexpected emergencies. It is a crucial part of long-term financial planning, able to help ease the burden of the life events you can anticipate.

Annuities can provide an alternative source of retirement income. Long-term care insurance can ease the load for caregivers. Life insurance can provide for your dependents during a challenging time.

Your Raymond James advisor has access to a wide array of quality insurance alternatives that can offer an important layer of security for you, your family or your business associates.

All guarantees are made by the issuing insurance company.

Life Insurance

Easing the financial burden for your dependents

An essential part of financial planning, a life insurance policy can help replace income that would be lost upon your death. It also can help ensure your dependents are not burdened with significant debt at a difficult time, or provide a cash infusion to your business to meet ongoing expenses and obligations.

Long-term Care

Taking caregiving decisions into your own hands

Funding your long-term care allows you to make your own choices while you still can. People are living longer, but government programs provide only limited assistance when it comes to long-term care. So, it’s prudent to consider a specific funding plan for the likelihood of needing long-term care assistance.

Annuities

Expanding your sources for retirement income

An annuity is a contract between you and an insurance company that serves as a retirement vehicle. It offers tax-deferred growth, with no limit to the contributions you can make. Your Raymond James advisor can help you consider the many types of annuity contracts, each with a variety of options.

Annuities are long-term, tax-deferred investments intended for retirement purposes. Any withdrawals may be subject to income taxes and, prior to age 59 1/2, a 10% federal penalty tax and state penalty taxes may apply to the taxable amount.

Raymond James Insurance Group

Experts in annuities, insurance policies

Through Raymond James Insurance Group, a wholly owned subsidiary of Raymond James, advisors have access to a team of insurance and annuity experts, as well as carefully screened products. We offer access to an array of financially solid insurance companies, helping you select annuity, life, long-term care and disability policies that meet your needs.