A 52-year-old retired law enforcement officer with a $989,000 pension (457 plan). He wanted a steady income for life, without market risk, so he could start a private investigation practice for passion – not necessity.
Unsure if his seven-figure pension would last his lifetime (30–35 years of potential longevity).
Didn’t want to risk losing money in the stock market.
Needed a specific, reliable monthly income number.
Wanted flexibility in case his plans changed.
Had been approached by multiple agents pushing market-based investments, but none actually addressed his desire for guaranteed lifetime income.
We ran the numbers: if he lived 16+ years, the pension alone might run out. With this strategy, he could receive income for life without betting on the market or economy.
I found a contract that:
Paid slightly more than the monthly income he wanted.
Allowed up to 30% access to funds in the first year for emergencies — something rare at the time.
Added a life insurance layer to replace his pension for his wife, ensuring she’d receive $1 million tax-free if he passed unexpectedly.
He received the guaranteed monthly income he needed (and a little more).
He had flexibility with built-in access to funds.
His wife gained $1 million in tax-free protection, with part of it earmarked for their church.
Most importantly, he gained peace of mind — knowing his retirement income was protected no matter how long he lived or how the markets performed.
👉 This is what I mean when I say: I don’t just sell policies — I build strategies that create real results.