Empty-Nesters/Retirees

You’ve spent a lifetime getting there: Waiting for that last afternoon meeting, eagerly anticipating that last five o’clock drive home from work and the new opportunities that await you in retirement. Whether you’re already there or still looking forward, it’s time to think about how you’ll pass on a lifetime of savings to your loved ones. Life insurance not only provides tax-deferred growth, but a way to give what you’ve earned to those you love most.

With Blueprint Whole Life, you can build a financial gift for family members or a charity close to your heart. This single-premium whole life insurance plan features a guaranteed insurability option, allowing you to purchase additional certificates using savings, maturing CDs, annuities that are out of there surrender period and more.

If you are nearing or have already reached retirement, you may be wondering how you can turn a lifetime of savings into retirement income.

Fixed annuities provide guaranteed income for life. By building financial security now, you can provide a steady stream of retirement income later when you annuitize. When you are ready to annuitize (usually after retirement), Gleaner will determine the total value of your annuity account and provide a guaranteed income for the rest of your life.

Single-premium deferred annuities like Gleaner's Foundation MYGAs are ideal for turning a lump-sum into guaranteed retirement income.

According to a 2024 study by LIMRA and Life Happens, almost half of American adults report that they would feel financial hardship within six months if a primary wage earner were to pass away. In addition to the emotional trauma of losing a spouse, the financial impact of a spouse passing unexpectedly can be devastating.

As a married couple, your financial situation can change quickly. Universal life insurance features flexible premiums, providing permanent life insurance coverage while still being adaptable to your changing needs. With Strategic Choice IUL®, Gleaner’s indexed universal life product, you have some breathing room for unexpected changes, like a big move, a home purchase or a new child.