William Coulter Independent Life & Annuity Agent

05/31/2025

04/10/2025

American National life insurance can help protect your business and your family to ensure that things continue operating smoothly, and your loved ones remain financially stable in the event of your death. Contact me to learn more.

04/07/2025

Retirement planning for small businesses can be tricky, American National can help make it simple. All we need is a Census to design a specialized plan for both you and your employees today.

04/04/2025

Have you heard the saying “hope for the best, but prepare for the worst”? It’s important to keep in mind when thinking about your financial future. We offer life insurance and annuity products from &G to help protect you and your loved ones against unexpected life events. Learn how F&G helps protect people across the United States: www.fglife.com

03/30/2025

FERS Information
Congress created the Federal Employees Retirement System (FERS) in 1986, and it became effective on January 1, 1987. Since that time, new Federal civilian employees who have retirement coverage are covered by FERS.

FERS is a retirement plan that provides benefits from three different sources: a Basic Benefit Plan, Social Security and the Thrift Savings Plan (TSP). Two of the three parts of FERS (Social Security and the TSP) can go with you to your next job if you leave the Federal Government before retirement. The Basic Benefit and Social Security parts of FERS require you to pay your share each pay period. Your agency withholds the cost of the Basic Benefit and Social Security from your pay as payroll deductions. Your agency pays its part too. Then, after you retire, you receive annuity payments each month for the rest of your life.

The TSP part of FERS is an account that your agency automatically sets up for you. Each pay period your agency deposits into your account amount equal to 1% of the basic pay you earn for the pay period. You can also make your own contributions to your TSP account and your agency will also make a matching contribution. These contributions are tax-deferred. The Thrift Savings Plan is administered by the Federal Retirement Thrift Investment Board.

03/30/2025

The newest fixed indexed annuity from F&G is really taking off! It’s simple as 1-2-3: One annuity solution Two income options: anytime or future income Three key benefits: lifetime income, growth potential and legacy opportunity and for a short time only, you can secure an additional 5% boost to your income base bonus during your growth period through F&G’s Momentum Multiplier special. It’s available only on F&G 1-2-3SM business issued by May 13, 2025. Ready to create momentum for your retirement plan? Reach out to me today.

10/17/2024

Life insurance can help you build wealth to pass on to loved ones after you’re gone. You can feel at ease knowing that the people you love will be taken care of financially when you pass. Reach out to me today to find out how.

09/11/2024

Please do not forget the people that we lost on 9/11! Together we are better!

09/03/2024

With inflation concerns rising, &G looked at how their recently launched F&G Safe Income Advantage® fixed indexed annuity may help with future income planning. Learn more here: https://success.fglife.com//income-planning-in-an-inflationary-time-whitepaper

07/24/2024

I just sent a donation to St. Jude Children's Research Hospital! if you have an extra few dollars, PLEASE GIVE!

07/02/2024

Hit a hole-in-one with the right protection for your future. I can help reduce your handicap in deciding what options are right for you. Take the first swing and contact me to learn more about life insurance.

06/15/2024

Annuities are long-term retirement solutions that can help you achieve financial security and success. At F&G, we really know annuities – and we’ve been recognized by J.D. Power as the top annuity company for customer satisfaction. Explore how we can help turn your retirement aspirations into reality: https://bit.ly/3oPq46C

Learn the basics of annuities, the kinds of annuities F&G provides and the truths behind their most common myths.