Life insurance protects your legacy and provides flexibility in retirement—covering income replacement, estate liquidity, and tax‑aware planning.

• Term life provides coverage for a set period (10–30 years) and is often the most affordable option for income replacement.

• Permanent life (such as whole life or indexed universal life) offers lifelong protection and may build cash value that you can access for retirement income, emergencies, or estate planning.

Yes! Certain types of permanent life insurance policies accumulate cash value you can borrow or withdraw from in retirement. It is important to work with licensed advisor to understand how policy loans, taxes, and performance affect your plan.

That depends on your goals. A general rule is 7-10 times your annual income, but retirement planning also factors in savings, debts, healthcare costs, and legacy goals. A Bedrock advisor can run a personalized needs analysis to help determine that right amount.

The earlier, the better. Premiums are lower when you are younger and healthier, and starting early allows more time for cash value accumulation in permanent policies.

That depends on the type of policy. Term coverage may expire, but permanent coverage continues as long as premiums are paid. Many retirees choose to adjust coverage to meet new needs-like leaving a legacy or covering final expense.

Absolutely. Many insurers offer policies for people in their 60's and 70's, though underwriting requirements many vary. The Bedrock Group advisors specialize in helping retirees find coverage that fits their health, their budget, and goals - whether for final expense, income replacement, or mortgage protection.

Mortgage protection is a life insurance policy designed to pay off your home if you pass away unexpectedly. It ensures your spouse or family can stay in the home without financial strain - a vital part of retirement stability.

Annuities provide guaranteed lifetime income, protecting you from outliving your savings. They can be structured to begin paying immediately or in the future and often compliment Social Security or pension income.

Request your complimentary quote consultation by completing the form on our Request Life Quote page. If you’re already on this page, simply fill out the form below, and we’ll connect you with a qualified, licensed life insurance advisor in your area. Within 24 hours, you’ll receive a call to schedule your personalized, no-obligation review.