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Families retire and enjoy life



Taking care of your financial future may be the last thing on your mind. This is where ValuTeachers can assist you. We have a number of solutions to assist you in reaching your retirement goals, whether you're planning just for yourself or your family's future.

Retirement Plan
Retirement plan

Our Associates are focused on helping you secure your retirement dreams. We'll start by understanding what your financial goals are. We will help create a roadmap for retirement that is uniquely aligned with your goals.

As you progress through life and your circumstances change, so will your retirement goals. We will be there each step of the way, helping you stay on the path and adjust to your ever-changing needs.

Life Insurance and family protection

Having life insurance can provide peace of mind that your loved ones will have some financial protection to cover these expenses or replace lost income if you were to die.

There are a few kinds of life insurance to choose from and selecting the right option for your needs can be confusing. Our Associates can help you navigate these complex choices so you may select the right coverage for you and your family.

403(b) and 457(b)
403b and 457b retirement

Similar to 401(k) plans, 403(b) and 457(b) plans allow you to contribute pre-tax money from your paycheck to your 403(b) or 457(b) plan.The value of your account will not be taxed until you withdraw the money, typically after retiring. Certain employers can offer their employees 403(b) and 457(b). Employers such as public educational institutions (public schools, colleges, and universities), non-profits, and churches or church-related organizations can offer a 403(b). Employers that provide 457(b) plans include state and local governments and some non-profit organizations. There are even some employers who may offer both 403(b) and 457(b) plans and allow you to contribute to both programs.

ValuTeachers has a long history of working with these plans and we are here to help you secure your retirement dreams!

Add IRAs to your retirement plans

People who retire today can expect to live longer than their parents and grandparents, so you need a plan to live comfortably. An Individual Retirement Account (IRA) is one option that can help you reach your retirement goals.

There are several types of IRAs* available:

  • Traditional IRA. Contributions typically are tax-deductible. You pay no taxes on IRA earnings until retirement, when withdrawals are taxed as income.

  • Roth IRA. Contributions are made with after-tax funds and are not tax-deductible, but earnings and withdrawals are tax-free.

  • SIMPLE IRA. Is available to small businesses that do not have any other retirement savings plan. The SIMPLE – which stands for Savings Incentive Match Plan for Employees – IRA allows employer and employee contributions, similar to a 401(k) plan, but with simpler, less costly administration and lower contribution limits.

*This information is for education purposes only and is NOT a recommendation nor tax advice.  Please consult a CPA for specific information on how these options may fit your unique situation.

not confident that they have enough money to retire
Living Benefits
Living benefits for retirement products

If you're diagnosed with a terminal illness, it's essential to make sure you and your family are prepared. Getting coverage with a severe condition can be difficult, so you'll want to make sure you're ready with accelerated death or a living benefit rider ahead of time. A living benefit rider, which allows someone to get the payout from accelerated death benefits, can offer extra peace of mind whether or not you end up needing it. Let's have a conversation to see if this benefit fits your retirement needs and goals.


Annuities are often purchased to complement Social Security, pension benefits, investments, and other sources of retirement income. You can turn your annuity into a stream of income that you can receive for a set length of time or the rest of your life. When you need income, you can take withdrawals in various amounts.

Annuities may provide safety, long-term growth, and income. They are a way to save your money tax-deferred until you are ready to receive retirement income.

Income For Life
Income for life

An income for life or lifetime annuity is a retirement option that acts like a personal pension plan. Lifetime annuities offer steady and reliable income that begins within a year and can last as long as you live. A lifetime annuity can help supplement your Social Security or pension during retirement.

These plans can benefit those who want the reliability of a steady and predictable income stream. If you die before all the funds in your account have been used up, the payment option to your beneficiaries will be determined by the choice you made when you purchased the annuity. In some cases, no payouts will be made to your dependents or other beneficiaries. Instead, you will be getting an income that you can't outlive.


An Income for Life annuity may be an option for someone who needs the most retirement income possible and does not plan to use the money invested for dependents or other beneficiaries.

We've Got This

Securing your retirement dreams may sound like a daunting task, and you may feel unsure where to begin. With the help of a ValuTeachers Associate, you can have the confidence that we'll put you on the right path to help meet your needs and goals.


Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company and do not protect the value of the variable investment options, which are subject to market risk.

The above is provided for informational purposes only and should not be construed as investment, tax, or legal advice. Information is based on current laws, which are subject to change at any time. You should consult with their accounting or tax professionals for guidance regarding your specific financial situation.

Our representatives do not provide tax, accounting, or legal advice. Any taxpayer should seek advice based on the taxpayer's particular circumstances from an independent tax advisor or attorney.

Annuity withdrawals and other distributions of taxable amounts, including death benefit payouts, will be subject to ordinary income tax. If withdrawals and other distributions are taken prior to age 59½, an additional 10% federal tax may apply. A withdrawal charge and market value adjustment (MVA) also may apply. Withdrawals will reduce the contract value and the value of the death benefits, and also may reduce the value of any optional benefits.

Under current law, a nonqualified annuity that is owned by an individual is generally entitled to tax deferral. IRAs and qualified plans—such as 401(k)s and 403(b)s—are already tax-deferred. Therefore, a deferred annuity should be used only to fund an IRA or qualified plan to benefit from the annuity’s features other than tax deferral. These include lifetime income and death benefit options.

Social Security is not enough
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