Retirement Planning

A well-designed retirement plan gives you the confidence to enjoy your later years—by turning today’s income into tomorrow’s security.

Defined Benefit Retirement Plan

"Build a stable future with tax-advantaged retirement strategies".

Planning for retirement is more than just saving—it’s about ensuring long-term financial independence. Without a solid strategy, many professionals end up working longer than expected or relying on limited resources.

SG Insurance offers Defined Benefit Plans tailored for high-income individuals and small business owners looking to maximize savings and reduce taxable income.

Key Coverage Includes

Tax-deductible contributions up to $245,000 per year
Higher savings potential than 401(k) plans
Eligibility extends to business owners and family members

Ideal For

High-income professionals, self-employed individuals, and small business owners

Annuity

"Turn your earnings into guaranteed income for life".

Worried about outliving your savings? Annuities provide peace of mind by turning your retirement funds into predictable, lifelong income.

SG Insurance’s annuity plans ensure stability regardless of market conditions, so you can focus on enjoying retirement, not fearing it.

Key Coverage Includes

Guaranteed lifetime monthly income
Tax-deferred growth on your investment
Optional riders for inflation protection and long-term care

Ideal For

Pre-retirees seeking secure income and protection from financial uncertainty

Long-Term Care Insurance

"Secure long-term care without burdening your family".

As you age, the need for assistance with daily living becomes more likely. Whether it’s in-home help, assisted living, or nursing home care, the costs can be overwhelming.

Long-Term Care Insurance helps cover these expenses, preserving your savings and giving loved ones peace of mind.

Key Coverage Includes

Coverage for home care, assisted living, and nursing facilities
Benefits for rehabilitation, medical equipment, and caregiver services
Optional inflation protection

Ideal For

Adults over 50 or anyone planning ahead for aging-related care needs

Disability Income Insurance

"Replace lost income when illness disrupts your ability to work".

Your ability to earn income is your greatest asset. A serious illness or injury can take that away in an instant—leaving you financially vulnerable.

SG Insurance’s Disability Income Insurance provides monthly income if you're unable to work due to a qualifying disability.

Key Coverage Includes

Monthly payments during total or partial disability
Customizable benefit periods and elimination options
Financial protection while you recover

Ideal For

Freelancers, entrepreneurs, and anyone whose income depends on staying healthy

Living Benefits (Life Insurance Rider)

"Access your life insurance while you're still alive".

Life doesn’t always go as planned—and sometimes, you need financial support before you’re gone. Living Benefits allow early access to your life insurance in the event of serious health issues.

Focus on recovery, not medical bills.

Key Coverage Includes

Critical Illness: Up to 75% lump-sum payout for cancer, heart attack, or stroke
Chronic Illness: Monthly benefits if unable to perform 2+ daily activities for 90+ days
Terminal Illness: 100% lump-sum if life expectancy is under 24 months

Ideal For

Primary income earners, parents, or anyone seeking early-access protection in case of illness

IRA (Individual Retirement Account)

"Flexible, tax-deferred savings for your future".

An IRA offers independent control over your retirement savings, with tax benefits that help your money grow faster. Whether you're supplementing a 401(k) or saving on your own, it's a smart foundation for the future.

Key Coverage Includes

Contribution limits: $6,000 (under 50), $7,500 (50 and over)
Tax-deductible contributions and deferred growth
Available even with existing employer-sponsored plans

Ideal For

Anyone with earned income looking to build long-term, tax-efficient retirement savings

Medicare Advisory & Enrollment Services

"Navigate retirement healthcare with confidence".

Choosing the right Medicare plan can be confusing—but it’s one of the most important financial decisions in retirement. SG Insurance helps you compare, enroll, and manage your Medicare coverage with expert guidance.

Key Coverage Includes

Part A: Hospitalization and inpatient care
Part B: Doctor visits, outpatient services
Part C: Advantage plans offered by private insurers
Part D: Prescription drug coverage

Ideal For

Individuals turning 65, already eligible for Medicare, or those seeking help understanding their options

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