Is Your Retirement Protected from Market Loss, Inflation, and Taxes?
High-Net-Worth Retirement Strategy for Individuals
with $250K–$1M+ in Investable Assets
Secure Your Future with a Fixed Indexed Annuity
Discover the power of a Fixed Indexed Annuity
Market-Linked Growth with Principal Protection.
About Us
At Monroe Life Insurance, we help individuals prepare for a financially secure and worry-free retirement. With a personalized approach, we build retirement solutions based on your needs—not cookie-cutter strategies.
Over 15 years in business
1000+ clients served
Offices in 4 states
About Us
At Monroe Life Insurance, we help individuals prepare for a financially secure and worry-free retirement. With a personalized approach, we build retirement solutions based on your needs—not cookie-cutter strategies.
Over 15 years in business
1000+ clients served
Offices in 4 states
Why Choose Us?
A Trusted Partner in Retirement Planning
15+ Years of Financial Expertise
Transparent, Client-First Process
1000+ Retirement Plans Customized
Focus on Long-Term Wealth Security
Licensed Retirement Specialists
Why Choose a Fixed Indexed Annuity?
20% Premium Bonus
Jumpstart your investment from day one
Principal Protection
Your initial investment is never at risk
Market-Linked Growth
Upside potential, downside protection
Tax-Deferred Growth
Let your money grow faster without tax drag
Guaranteed Lifetime Income
Never outlive your retirement income
Flexible Payout Options
Choose how and when you get paid
Legacy Benefits
Provide financial security for your loved ones
Life Insurance Products We Offer
At Monroe Life & Annuities, we offer a range of life insurance solutions to fit your unique needs, goals, and stage of life. Whether you’re protecting your family, leaving a legacy, or building tax-free retirement income—we’ve got the right policy for you.
Term Life Insurance
Protection for a specific period—affordable and straightforward. Term life insurance provides coverage for a set term, such as 10, 20, or 30 years. If the insuredpasses away during that time, a tax-free death benefit is paid to their beneficiaries.
Best For:
Young families or new homeowners
Income replacement during working years
Budget-conscious protection
Key Benefits:
Affordable premiums
High coverage amounts
Easy to understand
Convertible to permanent policies in many cases
Whole Life Insurance
Lifetime protection with guaranteed cash value.
Whole life insurance offers permanent coverage for your entire life and includes a savings component that builds guaranteed cash value over time.
Best For:
Long-term estate planning
Wealth transfer or legacy creation
Clients who want stable, predictable growth
Key Benefits:
Guaranteed death benefit High
Fixed premiums for life
Tax-deferred cash value growth
Option to borrow from cash value
Final Expense Insurance
Small permanent policies designed to cover end-of-life costs.
Also known as burial insurance, final expense insurance is a type of whole life policy tailored to cover funeral costs, outstanding medical bills, and small debts.
Best For:
Seniors looking to relieve financial burdens on loved ones
Individuals with limited health or income
Quick, simplified approval (often no medical exam)
Key Benefits:
Affordable, smaller policies ($2,000–$50,000)
Guaranteed lifetime coverage
Fast and easy approval
Pays directly to beneficiaries to cover immediate costs
Indexed Universal Life Insurance (IUL)
Lifetime protection with powerful wealth-building potential.
IULs offer flexible premiums, a permanent death benefit, and the ability to accumulate cash value based on the performance of a market index (like the S&P 500)—without directly investing in the market.
Best For:
Clients seeking tax-free retirement income
Business owners and high earners
Those wanting protection + upside growth
Key Benefits:
Flexible premium and death benefit
Tax-free policy loans for retirement income
Cash value grows based on index performance (with downside protection)
Living benefits available (chronic, critical, terminal illness)
Why Work With Monroe Life & Annuities?
We don’t just sell policies—we help you understand which product fits your life, your finances, and
your long-term goals. Whether you’re just starting out or protecting a lifetime
of success, we’re here to guide you every step of the way.
Hear from Satisfied Clients
Hear From Our Satisfied Clients
Frequently Asked Questions
Is my principal safe?
Yes! Your original investment is protected even if the market drops. That’s one of the key benefits of an FIA.
Can I access my money before retirement?
Yes, but withdrawals before age 59½ may be subject to taxes and penalties. There are also flexible payout options available.
Will I pay taxes on my earnings?
Earnings grow tax-deferred, meaning you won’t pay taxes until you begin receiving income from your annuity.
How do I know if this is right for me?
Schedule a free consultation with one of our advisors to explore whether an FIA aligns with your retirement goals.