Some financial decisions are focused on growth. Others are about protecting the life you’ve worked hard to build. We help individuals and families explore insurance and annuity solutions designed to support long term stability, income and peace of mind.
Protection planning should evolve with your life
The responsibilities you carry today may look very different five or ten years from now. A thoughtful insurance strategy helps prepare for those changes while protecting the people, goals and financial priorities that matter most to you.
Lyons Investment Group
Why Insurance Planning Matters
Life insurance is designed to help provide financial support during some of life’s most difficult and unexpected moments.
For some families, that may mean helping protect a home or replacing lost income. For others, it may involve preparing for future education costs, preserving long term financial stability or helping loved ones manage final expenses.
As your life changes, your protection needs may change as well. That’s why insurance planning should never feel generic or disconnected from your broader financial picture.
We take the time to understand your goals, responsibilities and concerns so we can help you explore solutions aligned with the life you are building and the people depending on you.
Personalized Protection
Coverage considerations aligned with your financial priorities
Long Term Perspective
Strategies designed to evolve alongside your life
Guidance You Can Trust
Helping families prepare for the unexpected with confidence
Areas Insurance Planning May Help Support
A personalized insurance strategy can help provide greater financial stability across many stages of life.
Helping protect mortgage obligations
Supporting future education funding
Replacing income for loved ones
Preparing for final expenses
Coordinating protection with long term financial goals
Annuities
Annuities are financial contracts between you and an insurance company. You give the company money now and the company pays you periodic lifetime payments at a later time. Annuities can be useful retirement tools.
Annuities have a special tax advantage under which you won’t pay income taxes on gains in the contract until you begin to withdraw money. Withdrawals may be subject to surrender charges. If made prior to age 59 1/2, may be subject to a 10 percent federal tax penalty.
Types of Annuities
Different annuity options are designed to support different financial goals and comfort levels with risk.
Fixed annuities are generally focused on stability and predictable returns over a specified period of time. Variable annuities may offer greater growth potential through market based investments, while also involving additional market risk.
Choosing the right approach begins with understanding how these solutions fit into your overall retirement and financial planning strategy.
*Donald R. Lyons offers products and services using the following business names: Lyons Investment Group – insurance and financial services | Ameritas Investment Company, LLC (AIC), Member FINRA/SIPC – securities and investments | Ameritas Advisory Services (AAS) – investment advisory services. AIC and AAS are not affiliated with Lyons Investment Group.
Licensed In: AL CA, CO, CT, FL, GA, ID, MD, MI, MS,MN,NE,NJ,NM,NY, NC, OK,PA, TN,TX,VA,WV
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Location
Products and services are limited to residents of states where the representative is registered. This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your representative. Read it carefully before you invest or send money. A representative will contact you to provide requested information. Representatives of AIC and AAS do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation.