Mound Agency of Ohio Inc

06/11/2026

How do annuities work?

The way they work generally follows three stages:

1️⃣ Contract Setup - You enter an agreement with an insurance company outlining contributions, growth rules, guarantees, and how/when income can be paid.

2️⃣ Accumulation Phase - Your annuity may grow through a fixed rate, index‑based crediting — each with different rules and risks.

3️⃣ Income Phase - When you start income, the insurer pays based on the contract. Payments can last a set number of years, for life, or follow optional riders. Amounts depend on guarantees and performance.

Annuities aren’t a one-size-fits-all solution. The right fit depends on your goals, your comfort level and how you want your retirement income plan to look.

If you’d like help understanding how an annuity might fit into your overall retirement income plan, we can walk through your options together.

06/10/2026

June is Annuity Awareness Month — the perfect time to take a closer look at the products that support retirement income planning.
Annuities are financial products designed to help create structured income in retirement and protection from market volatility.
Here’s why this month matters:
• It’s a chance to learn how annuities fit into a broader retirement income strategy
• It helps you understand the different types and how each one functions
• Can give you a better understanding of what products are available
Whether you’re just starting to explore your options or refining an existing plan. We are here to help.

06/09/2026

Your clients might be able to self-fund their extended care costs,
but why would they?
We insure ourselves against other high impact financial risks,
why should care needs be treated any differently?
Affluent clients aren’t worried about short-term expenses. It’s
the catastrophic, long-term risks of an Alzheimer’s or Parkinson’s
diagnosis that impact even the savviest of plans.
This is especially true considering the median cost of a private
nursing home room can now exceed $100,000 per year. There are
strategies that can offer flexible and reliable protection to offset
this risk in your client’s retirement years.
How are you helping clients think differently about protecting
against extended care risks?

06/04/2026

The “silver tsunami” isn’t a future problem…
The calm before the storm has passed and it’s already reshaping
today’s care planning conversations.
As people live longer and strain on the care system grows, costs
are already on the rise and expected to continue rising. That
makes preparing for extended care needs more important than
ever.
For the older generation of clients who hold much of their wealth
in retirement accounts, there may be an opportunity to reposition
a portion of those assets into tax-free, lifetime income for
extended care needs.
If your clients never need care, their beneficiaries can receive a
tax-free death benefit, offering additional value as a thoughtful
wealth transfer strategy.
Interested in learning how this approach may fit into your client
conversations? Let’s connect.

06/01/2026

Many of today’s pre-retires and retirees have done everything
right by saving diligently for retirement, and now they’re asking
new questions:
How do I protect what I’ve built?
What happens if I need support later in life?
How will a future care need impact my retirement income?
For financial professionals, this shift opens the door to have
more meaningful conversations. It’s an opportunity to introduce
strategies that can help clients stay confident in their plans… no
matter what the future holds.
It’s not just about protecting assets. It is about providing
purpose, flexibility and support for clients and the people who
matter most to them.
How often do these types of questions come up in your client
conversations today?

05/22/2026

05/07/2026

Call us today for more information on LTC! 800-537-5568

05/06/2026

We are here to help you find the right Long-Term Care solution for your clients. Call us today! 800-537-5568

05/05/2026

Call us today to learn more about Long Term Care Insurance!