Insurance planning
Simmons Investment Services provides personalized insurance planning to protect our clients' assets and aims to provide a more secure financial future. Our wealth advisors have extensive knowledge of the insurance marketplace and will work with you to develop a comprehensive plan that seeks to protect what matters most.
Annuities
If you're looking for a tax-deferred savings vehicle, a more competitive interest rate for your savings, or if your goals include trying to structure a guaranteed retirement income plan that you cannot outlive, annuities might be a good fit for your strategic goals.
Long-term care
Long-Term Care (LTC) goes beyond medical care to include all the assistance you could need if you ever have a chronic illness or disability that leaves you unable to care for yourself for an extended period of time (longer than 90 days). Having a Long-Term Care Insurance plan or a linked benefit policy plan can help you cover the necessary costs and items not covered by standard health insurance, Medicare or Medicaid.
Life insurance
Life Insurance isn't something we all like to think about, but preparing for the unforeseen is necessary for maintaining financial security for you and your family. Life Insurance can play a vital role in providing liquidity and cash when it is needed most.
Disability insurance
Your ability to earn an income may be your most valuable asset. Being unable to work due to injury or illness is an unfortunate reality for many Americans. Should such a situation arise, Individual Disability Insurance can help replace lost income or supplement benefits you may have with your employer.
Schedule a consultation with an experienced Simmons Investment Services advisor to review your current insurance strategy and develop the coverage that works best for you.
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Talk to one of our Simmons Investment Services professionals to learn more about how you can start planning with:
- Investment Services
- Retirement Planning
- Insurance Planning
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{120} This material contains only general descriptions and is not a solicitation to sell any insurance product or security, nor is it intended as any financial or tax advice. For information about specific insurance needs or situations, contact your insurance agent. This article is intended to assist in educating you about insurance generally and not to provide personal service. They may not take into account your personal characteristics such as budget, assets, risk tolerance, family situation or activities which may affect the type of insurance that would be right for you. In addition, state insurance laws and insurance underwriting rules may affect available coverage and its costs. Fixed annuities are long-term investment vehicles designed for retirement purposes. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply.
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{125} Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Simmons Bank is not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using the marketing name Simmons Investment Services, and may also be employees of Simmons Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Simmons Bank. Securities and insurance offered through LPL or its affiliates are:
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{124} Securities and Insurance offered through LPL and its affiliates are: Not Insured By FDIC or Any Other Government Agency | Not Bank Guaranteed | Not Bank Deposits or Obligations | May Lose Value
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{262} LPL Financial Form CRS