Welcome.

Aaron Burns

800.487.8625

I’m Aaron Burns. During my career working with baby boomers and retirees, I’ve learned that flexibility is key to the success of any retirement plan. Circumstances and lives change, unexpected emergencies happen. Your plan must meet such needs.

At the same time, you should prepare for your “escape”—your opportunity to leave the working world behind and be financially able to do what you want to do. You’ve made it to this point, so you may have many years left to do something fun.

Helping you accomplish your goals is my calling. I’m licensed with the states of Oregon, Washington, Nevada, California, and Montana for Life and Health products. I have been in business since 1975 and hold the Certified Life Underwriter designation.

Income Annuities

Medical advances and healthy lifestyles have caused a unique retirement phenomenon for many Americans: “What if I live too long?”

You may think that’s ridiculous- there is no such thing as living too long. The real issue for many isn’t living too long, it’s outliving the ability to take care of oneself. What if the retirement funds and retirement income die before you do? Who will take care of you?

Your children? Are they able, or is it a burden they can’t bear and you don’t want to require. The government? Deficits as far as the eye can see may mean less help and lower quality of life.

Maybe an income annuity guaranteed by a highly rated life insurance company would be right for you. Today’s income annuity products come in many forms including the traditional Immediate Annuity where you make a single payment to an insurance company and they guarantee you an income check for any of the following time periods:

  • Your life only
  • Your and your spouse’s lifetimes
  • A specified number of years or
  • Some combination of specified years and life

These guaranteed payouts are backed by the financial strength of the company issuing the immediate annuity, so your income payment is paid like clockwork. Once started, immediate annuities generally have very limited access to change because of these guarantees.

 If flexibility in future years is a concern, many modern Deferred Annuities have new income opportunities called Lifetime Income Benefit Riders. These new “LIBRs” offer you the benefit of lifetime income payments that you can’t outlive with the flexibility of controlling and changing your Deferred Annuity account with a LIBR.

A Deferred Annuity allows you to start an income stream immediately or wait for as long as 20 years. Once income has started, it can be stopped and then restarted at a later date. If cash is needed, a withdrawal from any remaining cash value in the Deferred Annuity can be made (future income payments would be adjusted on a pro-rated basis).

Finally and most important, in the event of your premature death, your beneficiaries would receive all remaining funds from the Deferred Annuity cash value in a lump sum. To learn more about guaranteed income options, call our number for your complimentary, no-obligation review.  

Note: A licensed agent should be consulted to determine if these products meet your specific needs. Before the purchase of any product, a thorough review of the insurance company sales brochures and disclosures should be completed. Consult your tax professional for specific tax issues.