• 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 staff of life insurance specialists in Fitchburg can help you through the unfamiliar process of choosing life insurance. By reviewing your unique situation, we will help you with selecting the best option for you. Contact us today to take the necessary steps towards improved financial security.

    What’s senior life insurance?

    In a senior life insurance contact, an agreement is made between an insurance company and a customer. The customer agrees to pay a specified amount of money at regular intervals, which is called a “premium”. In return, the company agrees to pay a lump sum to a designated beneficiary after a specified event (usually the policyholder’s death).

    What are the pros & cons of term & universal life insurance?

    Term life insurance means you only pay for a specified period of time, and the benefit to your heirs only lasts for a certain time.

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

    Both kinds of senior life insurance offer benefits. To learn which senior life insurance solution will work 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 strategy will be unique to you, depending on your financial circumstances. The most important thing to think about is how to select an experienced financial professional who will take care of your needs.

    Who needs senior life insurance?

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

    Why should everyone purchase senior life insurance?

    • Remove the responsibility of paying for funeral costs from your family members.
    • To cover living expenses, such as tuition, food, and bill payments.
    • Paying off outstanding debts, such as mortgages.

    These only represent a few of the reasons why you should buy senior life insurance. Learn more about your options 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


    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.