Contact Jeanine

Jeanine Kinzie is a Licensed Health Insurance Agent, Licensed Life Insurance Agent and a Federally Facilitated Marketplace Enroller / SHOP Marketplace Enroller from Grand Rapids, Michigan.

Now, more than ever, retirement savings should be a priority. 

Please consider making retirement savings a priority.  I know money doesn't grow on trees now, but it certainly won't in your retirement years either.  With all the changes in healthcare reform, it is now recommended that retiring couples have $206,000 saved for their future medical expenses alone! 

Check out this info-graphic: "Can You Afford to Retire?"  

Contact us for a brochure on an investment product which offers a lifetime guaranteed income.  In addition, we also offer products that guarantee your investment won't lose money, while providing an opportunity for upside growth.  After the stock market fall in 2008, most baby-boomers want products like these to feel secure investing again.

Jeanine Kinzie is a Licensed Health Insurance Agent, Licensed Life Insurance Agent and a Federally Facilitated Marketplace Enroller / SHOP Marketplace Enroller from Grand Rapids, Michigan.

It's NEVER too late to start your retirement savings plan.

Open a new account with as little as $1,000.   Plan to add $100 as your income allows and you'll gain peace of mind and empowerment that you're on your way to a secure retirement.  It may be a part of your 2013 tax-reduction strategy if you open it before April 15.

Jeanine Kinzie is a Licensed Health Insurance Agent, Licensed Life Insurance Agent and a Federally Facilitated Marketplace Enroller / SHOP Marketplace Enroller from Grand Rapids, Michigan.

Indexed Universal Life effectively exploits the sweet spot between safe, low-rate permanent life insurance and riskier variable life insurance.  My clients love the compelling value proposition of a greater potential upside in stock market growth accompanied by the protection from downside risk.  They also love the living benefits for critical and chronic illness expenses, and retirement income.

Indexed Universal Life sales are one of 2 life insurance products which have increased each year of the recent recession.  This market is growing by an average of 30% annually over the past 10 years.  IUL now represents 30% of total universal life premiums.  In addition to the reasons stated above, it is well-suited to a low interest rate environment.  Clients like to not actively manage their investments inside their life insurance plan.  They like to set it and not sweat it.  With IUL, you can have a combination of buckets to choose from and they are so diverse, that safety emerges.  Returns range from 0% on the downside, to 13% on the upside potential.  With the Variable Universal Life, you are entirely responsible for the investment choices and results.

IUL can be advantageous as an accumulation product.  In times of uncertainty with retirement planning and taxation, IUL can be maximum-funded, allowing cash values to build up within it, tax deferred.  Cash values may be accessed without the type of tax penalties a client would incur for IRA distributions (prior to age 59.5), subject to applicable surrender charges.  Flexibility in premium payments and policy loans which self-complete upon a premature death.  It would provide that critical, lump-sum, income tax-free death benefit to beneficiaries.  The bottom line is that, if the IUL policy is managed strategically and kept in-force, its build-up and death benefit proceeds may fall into the coveted "never taxed" column.  People have been seeking alternatives through which they can create tax-deferred growth and tax-efficient distribution.  Investments can be in the S&P 500 or Global Broad Market Indexed small-mid cap funds. 

Keeping in mind, we don't know what theoretically Chelsea Clinton will do in her 2nd term of office.  In 30 years from now...will Social Security be solvent, is there means testing for Social Security, are income taxes for seniors calculated differently, etc.  Studies show that many people have a fear of outliving their assets.  Indexed Universal Life may play a pivotal role as a solution that can ensure a stream of income for their entire life beginning at retirement.   After all, guaranteed income streams accessible for life has become a bigger priority than legacy planning this decade. 

You are advised to consult with your tax advisor for more information regarding your specific situation.  Just let me know how I can help you prepare for your priorities.


Jeanine Kinzie - Licensed Health and Life Insurance Agent
Great Lakes Insurance And Financial Services Agency, LLC

Jeanine Kinzie is a Licensed Health Insurance Agent, Licensed Life Insurance Agent and a Federally Facilitated Marketplace Enroller from Grand Rapids, Michigan.

6. Funds the future
Offers a way to fund longer-range goals like a college education for the kids or a secure retirement for a surviving spouse.

7. Leaves a legacy
Gives parents the chance to leave future generations with the legacy of long-term financial security.

Contact Jeanine to find out about all the different options you have for life insurance. 

A new study reveals Midwest residents are at extreme risk of retirement hardship and may not have sufficient social security income. Are you worried about running out of money? Do you want control of your money without being scared of losing it? For my clients, friends, and their families, I have purchased 10 best selling books which reveal how to conquer the enemies of wealth. Let me know if you'd like me to get you a copy so you can change your future and get the peace of mind you deserve.

I am one of a few agents which specialize in retirement income planning with tax advantages. I am amazed at how many financial planners aren't familiar with the strategies I use. Strategies which can protect your money from market loss and provide a tax shelter. If you, a family member, or a friend could benefit from my expertise, please take the opportunity to contact me. Several new taxes are starting in 2013, and the time to plan for your future is here!

For more details and a personal consultation, please contact me.