Financial
Insights to help protect and build your future
From getting a strong financial start to enjoying the retirement you envisioned – explore ideas on how you can plan for life’s chapters, challenges and changes.
Insights to help protect and build your future
From getting a strong financial start to enjoying the retirement you envisioned – explore ideas on how you can plan for life’s chapters, challenges and changes.
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At its most basic, life insurance is a promise you can make to your loved ones. You choose a life insurance policy, pay premiums to a life insurance company and if you die, a death benefit is paid to your beneficiaries.
You've probably heard of using life insurance to protect family and loved ones. Both term and permanent life insurance policies can help give you that peace of mind. But, permanent life insurance can do even more than that:
As you look forward to retirement, have you considered how you will gracefully exit the successful business that you have worked hard to build? Here are three questions to think about.
As people age, many believe they have less of a need for life insurance. However, there is still an important role for life insurance.
While group life insurance is a valuable part of your benefits package at work, it may not be fully covering you like you thought and often at a higher cost.
Losing a loved one is never easy. While it can be emotionally draining, here are some tips to help you through the claim process.
Everyone wants to know that our hard work will go in to make it just a little easier for the ones that we leave behind. Find four tips to let your love live on.
Key person life insurance is a powerful way to protect your business from the potential loss of those key employees.
Here are some important documents that you should locate to help you prepare for filing claims or meeting with the estate attorney.
Annuities can provide an extra layer of protection, while also helping you build up the assets you’ll need to not only survive retirement, but also thrive throughout retirement.
One of the best ways to keep highly valuable employees is to offer fringe benefits. One benefit that can be mutually beneficial to you as the business owner and your valued employees is a split-dollar plan.
Help ensure that your assets are passed on with the best possible tax consequences to your beneficiaries.
In addition to providing financial protection for your loved ones, owning a permanent life insurance policy (whole life, indexed whole life, universal life, indexed universal life or variable universal life insurance) can offer some flexibility when you need it.
Consider these basic planning steps when planning for the future for your loved one with special needs.
Most think it’s a policy that pays a death benefit to your loved ones when you die. And they’re right. But life insurance can also be useful for business owners in ways you may not have considered.
Find suggestions of who you may need to notify of the loss of your loved one.
To help you figure out how much life insurance you need, here are a few starting points to consider.
Permanent life insurance has similar features to a Roth IRA (along with additional benefits).
Here's a quick overview of what you can expect when applying for life insurance with AuguStar Life.
When you’re the parent or caretaker of an individual with special needs, thinking about how your loved one will be taken care of in the future is a definite concern.
While going through a divorce can be emotionally draining, it does not necessarily have to be financially draining. Here are five tips to help make the divorce process less stressful.
Accounting for health care expenses in retirement may need to play a bigger role in your strategy than you realize.
An IWL policy can grow assets on a tax-deferred basis while also providing a few benefits you may not have considered.
You’ve probably heard of a 529 plan when it comes to saving for your child’s college education. It’s the most recognizable vehicle for college savings ... but it’s not the only option available to you.
Unknowingly, many people reduce their lifetime benefit payments by thousands of dollars. Here are some key Social Security facts to know.
You have goals for your future, but sometimes you need a little help to reach them. You can use life insurance in ways you might not expect when creating a smart financial plan.
Every business owner faces the challenge of deciding how to best use available resources to grow their company. But positioning a business for growth takes more than just producing more of a good or service.
With an affordable pricing structure and the ability to convert to a high quality permanent policy, there’s a variety of ways AuguStar Life's Term Plus policies can go to work for business owners.
Successful business owners know the key to successful business is their people. An executive bonus program funded with permanent life insurance can be a great way to help business owners recruit, retain, and reward key employees.
An indexed universal life insurance policy can be a great option for many seeking death benefit protection, flexibility and the opportunity to build cash value for their future.
For many business owners, there is a lot of investment that goes into key executives. As an incentive to encourage the executive to stay long-term with your company, many business owners enhance executive benefits with a supplemental executive retirement plan (SERP).
You have invested so much to make your business a success. Have you considered what steps you need to take if you want to retire or need to sell the business? Planning for business continuation can help you harvest the value of your business when you leave the company.
Your term insurance policy may be convertible into a permanent policy. Find reasons to consider a permanent life insurance conversion.
When your work life ends and retirement begins, raises go away. Our fixed indexed annuity with a rider can help.
Losing a stay-at-home parent could cause a significant hit to your budget if you had to add in day care services, house cleaning services, time off work and other expenses.
Many small businesses share three common issues that can rob the owner of a good night’s sleep. But a bit of business planning with a financial professional can go a long way to help you regain control of your sleepless nights.
Financial Foundations
At its most basic, life insurance is a promise you can make to your loved ones. You choose a life insurance policy, pay premiums to a life insurance company and if you die, a death benefit is paid to your beneficiaries.
You've probably heard of using life insurance to protect family and loved ones. Both term and permanent life insurance policies can help give you that peace of mind. But, permanent life insurance can do even more than that:
In addition to providing financial protection for your loved ones, owning a permanent life insurance policy (whole life, indexed whole life, universal life, indexed universal life or variable universal life insurance) can offer some flexibility when you need it.
To help you figure out how much life insurance you need, here are a few starting points to consider.
Here's a quick overview of what you can expect when applying for life insurance with AuguStar Life.
An IWL policy can grow assets on a tax-deferred basis while also providing a few benefits you may not have considered.
You have goals for your future, but sometimes you need a little help to reach them. You can use life insurance in ways you might not expect when creating a smart financial plan.
An indexed universal life insurance policy can be a great option for many seeking death benefit protection, flexibility and the opportunity to build cash value for their future.
Your term insurance policy may be convertible into a permanent policy. Find reasons to consider a permanent life insurance conversion.
Life and Family
While group life insurance is a valuable part of your benefits package at work, it may not be fully covering you like you thought and often at a higher cost.
Losing a loved one is never easy. While it can be emotionally draining, here are some tips to help you through the claim process.
Here are some important documents that you should locate to help you prepare for filing claims or meeting with the estate attorney.
Consider these basic planning steps when planning for the future for your loved one with special needs.
Find suggestions of who you may need to notify of the loss of your loved one.
When you’re the parent or caretaker of an individual with special needs, thinking about how your loved one will be taken care of in the future is a definite concern.
While going through a divorce can be emotionally draining, it does not necessarily have to be financially draining. Here are five tips to help make the divorce process less stressful.
You’ve probably heard of a 529 plan when it comes to saving for your child’s college education. It’s the most recognizable vehicle for college savings ... but it’s not the only option available to you.
Losing a stay-at-home parent could cause a significant hit to your budget if you had to add in day care services, house cleaning services, time off work and other expenses.
Retirement
As people age, many believe they have less of a need for life insurance. However, there is still an important role for life insurance.
Everyone wants to know that our hard work will go in to make it just a little easier for the ones that we leave behind. Find four tips to let your love live on.
Annuities can provide an extra layer of protection, while also helping you build up the assets you’ll need to not only survive retirement, but also thrive throughout retirement.
Help ensure that your assets are passed on with the best possible tax consequences to your beneficiaries.
Permanent life insurance has similar features to a Roth IRA (along with additional benefits).
Accounting for health care expenses in retirement may need to play a bigger role in your strategy than you realize.
Unknowingly, many people reduce their lifetime benefit payments by thousands of dollars. Here are some key Social Security facts to know.
When your work life ends and retirement begins, raises go away. Our fixed indexed annuity with a rider can help.
Business Needs
As you look forward to retirement, have you considered how you will gracefully exit the successful business that you have worked hard to build? Here are three questions to think about.
Key person life insurance is a powerful way to protect your business from the potential loss of those key employees.
One of the best ways to keep highly valuable employees is to offer fringe benefits. One benefit that can be mutually beneficial to you as the business owner and your valued employees is a split-dollar plan.
Most think it’s a policy that pays a death benefit to your loved ones when you die. And they’re right. But life insurance can also be useful for business owners in ways you may not have considered.
Every business owner faces the challenge of deciding how to best use available resources to grow their company. But positioning a business for growth takes more than just producing more of a good or service.
With an affordable pricing structure and the ability to convert to a high quality permanent policy, there’s a variety of ways AuguStar Life's Term Plus policies can go to work for business owners.
Successful business owners know the key to successful business is their people. An executive bonus program funded with permanent life insurance can be a great way to help business owners recruit, retain, and reward key employees.
For many business owners, there is a lot of investment that goes into key executives. As an incentive to encourage the executive to stay long-term with your company, many business owners enhance executive benefits with a supplemental executive retirement plan (SERP).
You have invested so much to make your business a success. Have you considered what steps you need to take if you want to retire or need to sell the business? Planning for business continuation can help you harvest the value of your business when you leave the company.
Many small businesses share three common issues that can rob the owner of a good night’s sleep. But a bit of business planning with a financial professional can go a long way to help you regain control of your sleepless nights.
Calculators
Proper planning is essential to meet your savings goals. Use the calculators below to get a feel for what it might take to meet your goals. Then, talk to your AuguStar Financial representative to set a plan in place to start achieving them.
Term calculator
Term calculator: See how affordable term insurance can be.
Retirement calculators
401(k) spend it or save it calculator: There are several ways to manage your 401(k) when you leave an employer. Making the wrong decision can cost you thousands of dollars both in taxes and lost earnings.
Retirement income calculator: Use this calculator to determine how much monthly income your retirement savings may provide you in your retirement.
Retirement shortfall: Running out of your retirement savings too soon is one of the biggest risks to a comfortable retirement. Use this calculator to find a potential shortfall in your retirement savings plan.
Social Security benefits: Use this calculator to estimate your Social Security needs.
Savings calculators
Don’t delay your savings!: Waiting to begin your savings plan can have a huge impact on your results. This calculator helps show you how much postponing your savings plan can really cost.
Savings, taxes, and inflation: Use this calculator to determine how much your savings will be worth with these two important variables in mind.
Life expectancy: This calculator can give you an idea of your life expectancy based on your current age, smoking habits, gender and several other important lifestyle choices.
Investment calculators
Investment distributions: This calculator helps you determine either how long or how many periodic distributions can be taken out of an investment before it runs out.
Investment returns: There is more to investing than knowing your annual rate of return. Use this calculator to help you see how inflation, taxes and time can impact your bottom line.
Investment savings and distributions: Use this calculator to see how long your investment savings can last once you begin taking distributions.
Special needs calculator
Special needs calculator: Determine how much death benefit you’ll need to cover future expenses for your loved ones.
This is for informational purposes only. AuguStar Financial makes no representation as to the completeness or accuracy of information provided at referenced websites and is not liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, sites, information and programs. When you access one of these websites, you assume total responsibility and risk for your use of these websites.
Not sure where to start?
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