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Generational Vault

Kramer Investment and Insurance Services, Inc.

We offer effective Insurance solutions designed to meet a variety of objectives: Fixed Annuities* and Fixed Indexed Annuities*: retirement plans with advantages that include lifetime income, guaranteed returns, and safety.

Life Insurance: designed for estate planning purposes offering tax advantaged death and living benefits including long-term care expenses.

Long-Term Care Insurance: Medicare does not pay for long-term care. The duration and level of long­-term care will vary from person to person and often change over time. From the governments Long
Term Care website here are some statistics:

  • Someone turning age 65 today has almost a 70% chance of needing some type of long-term care services and supports in their remaining years
  • Women need care longer (3.7 years) than men (2.2 years)
  • One-third of today’s 65 year-olds may never need long-term care support, but 20 percent will need it for longer than 5 years

Long-Term Care Insurance can help to preserve your retirement nest egg and provide the care you need.

*Annuities are designed to be long-term investments and frequently involve substantial charges such as administrative fees, annual contract fees, mortality & risk expense charges and surrender charges.  Early withdrawals may impact annuity cash values and death benefits.  Taxes are payable upon withdrawal of funds.  An additional 10% IRS penalty may apply to withdrawals prior to age 59 ½.  Annuities are not guaranteed by FDIC or any other governmental agency and are not deposits or other obligations of, or guaranteed or endorsed by any bank or savings association.  

With fixed annuities, both the money you invest and the interest paid out are guaranteed by the claims-paying ability of the insurer. Investors should consider the investment objectives, risks, charges, and expenses of an a fixed annuity carefully before investing.