• 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.

  • Fitchburg Senior Life Insurance

    Our team of Fitchburg life insurance specialists can help you through the challenging process of choosing your life insurance policy. We provide life insurance professionals to help find the best life insurance option for your unique situation. Secure your financial future. Call us today.

    What’s senior life insurance?

    Senior life insurance is an agreement between an insurance provider and a customer which outlines each party’s obligation to one another. The customer pays a specified amount, or “premium”, at regular intervals, and in return the company pays a designated amount to a beneficiary once the term of insurance is over (generally at the policy owner’s time of death).

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

    With term life insurance, the policy owner pays for a specific time period 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. This form of life insurance also allows for easy access to funds and provides tax-advantaged wealth growth.

    Each form of senior life insurance offers benefits. To learn which senior life insurance solution will work best for you, talk to our insurance professionals in Fitchburg.

    How does senior life insurance compare to other investment options?

    The pluses and minuses of each investment program will be specific to you, depending on your financial circumstances. Choosing a professional financial professional is the right way to ensure you make the right choice.

    Who needs senior life insurance?

    Every adult, no matter what age, has a need for senior life insurance.

    Why should everyone buy senior life insurance?

    • Remove the burden of paying for funeral costs from your family members.
    • To cover living expenses, such as school fees, food, and utility bills.
    • Paying off debts that have been left behind, including mortgages.

    These only represent a few of the reasons why you need senior life insurance. Learn more by contacting a senior life insurance professional from Retirement Income Strategies.

    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

    Retirement planning is simple when you partner with the wealth management professionals at Retirement Income Strategies.

    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.