• Discover the many opportunities available to help secure your financial future through the use of a comprehensive suite of investment and insurance products.

    At Retirement Income Strategies, we can help you determine a strategy appropriate for your financial situation.

  • Madison Life Insurance

    Want to buy life insurance but aren’t sure which plan you should select? Talk to our Madison life insurance specialists now. We take your unique situation into account in order to find the option that will work best for you. Secure your future. Call us today.

    What is senior life insurance?

    Senior life insurance is an agreement between an insurance agency and a customer which outlines each party’s obligation to one another. The policyholder agrees to pay a specified amount of money at scheduled intervals, which is called a “premium”. In return, the company will pay a lump sum to a designated beneficiary after a specified event (usually the policyholder’s death).

    What is the difference between universal & term life insurance? What are their pros & cons?

    With term life insurance, the policy owner pays for a specific amount of time and the benefits are only available for a fixed period.

    Conversely, whole or universal senior life insurance is guaranteed for the entire duration of the owner’s life. The benefits of this kind of senior life insurance include easy access to funds and tax-advantaged growth of wealth.

    There are benefits to each type of senior life insurance. To find out which senior life insurance solution will work best for you, speak with our Madison insurance professionals.

    What are the benefits of a senior life insurance policy as opposed to investing in other ways?

    Depending on our unique circumstance, there will be ups and downs for every investment strategy. The most important thing to consider is selecting the correct financial professional who will consider each case individually.

    Who needs senior life insurance?

    All adults, no matter how old they are, have a need for senior life insurance.

    Why should you purchase senior life insurance?

    • Funerals cost thousands of dollars. Don’t let these expenses put your family in financial distress.
    • To cover the cost of living, such as school fees, groceries, and bill payments.
    • Paying off outstanding debts, such as mortgages.

    These are only a few of the reasons why you should buy senior life insurance. Contact a senior life insurance professional at Retirement Income Strategies to find out more about your options.

    Kristian Finfrock


    Our founder and top financial professional, Kristian Finfrock, wants you to maintain a retirement savings that is not majorly impacted by today's volatile market. Contact us at 888.275.3935 to learn more.

    » Learn How

    Ed Slott’s IRA Corner

    Ed Slott runs the Elite IRA Advisor Group dedicated to spread the word about smart retirement strategies.

    Members of Ed Slott’s Elite IRA Advisor GroupTM are dedicated to being leaders in the IRA industry and protecting their clients’ families’ futures.

    » Learn More

    Upcoming Events


    Our retirement planning professionals offer a number of events to provide education and assistance with senior life insurance, financial planning, and more. Click below to view our upcoming calendar.

    » Calendar of Events

    At Retirement Income Strategies, helping you meet your financial needs is our FIRST priority

    Contact us at info@ri-strategies.com or call us at 888.275.3935 to schedule a time to discuss your financial situation and the potential role of insurance or investments in your financial strategy.