Question 1

What is a Fixed Indexed Annuity (FIA) and how does it protect retirement savings?

Accepted Answer

A Fixed Indexed Annuity (FIA) is a contract with an insurance company that protects your principal while offering interest growth tied to a market index (such as the S&P 500). Because of a guaranteed 0% floor, your account balance never declines during stock market downturns, making it an ideal vehicle for safe retirement growth and predictable lifetime income.

Question 2

Can I lose money in a Fixed Indexed Annuity during a market crash?

Accepted Answer

No. Fixed Indexed Annuities provide a guaranteed protection floor. When the underlying market index loses value, your account receives 0% loss, keeping your principal and previously locked-in gains 100% safe from market crashes.

Question 3

Do you offer specialized retirement planning for Federal Employees?

Accepted Answer

Yes. Valley Retirement Solutions works directly with active and retiring federal employees to navigate FERS/CSRS pension choices, TSP rollovers into safe annuity accounts, and maximize FEGLI life insurance transitions without tax penalties.

Question 4

What is final expense & burial insurance?

Accepted Answer

Final expense insurance is a permanent whole life policy designed specifically to cover end-of-life costs, such as funeral, casket, burial, or cremation expenses, so your loved ones are never burdened with sudden debt during a time of grief.

Question 5

Do I need a medical exam to get burial or final expense insurance?

Accepted Answer

Most final expense policies require zero medical exams, blood tests, or physicals. Approvals are typically fast and based on simple health questions, with guaranteed-issue options available regardless of medical history.

Question 6

How does the final expense death benefit payout work?

Accepted Answer

Upon passing, the insurance carrier pays a tax-free lump-sum cash benefit directly to your designated beneficiary. Your beneficiary can use the funds immediately for funeral services, cemetery plots, medical bills, or any other final expenses.

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What is Final Expense Insurance?

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