Life Insurance
Protect What Matters Most
At Kershaw Retirement Solutions, we help individuals and families across Missouri and Illinois protect their loved ones and their retirement savings with thoughtful, personalized insurance strategies.
Life insurance isn’t just about coverage, it’s about peace of mind. The right plan can help protect your family, preserve your assets, and even support long-term financial goals during your lifetime.
Our role is simple: explain your options clearly and help you choose coverage that fits your needs and budget without pressure.
What we can help with:
We provide guidance on:
- Term Life Insurance
- Whole Life Insurance
- Indexed Universal Life (IUL)
- Medicare Supplement coverage
Every plan is personalized because your family, goals, and retirement timeline are unique.
Indexed Universal Life (IUL)
For clients looking for both protection and flexibility, Indexed Universal Life Insurance (IUL) can offer a powerful combination of benefits.
An IUL policy can:
✔ Provide lifelong death benefit protection
✔ Build cash value over time
✔ Offer growth potential linked to market indexes
✔ Protect against market losses with downside protection
✔ Provide tax-advantaged access to funds during retirement
Many clients use IUL as a supplemental retirement strategy to diversify beyond traditional 401(k)s and IRAs while still maintaining protection for their families.
We’ll walk you through the pros, cons, and whether it makes sense for your specific situation — so you can make an informed decision with confidence.
Supplemental Health Coverage for Added Protection
Medical expenses can be unpredictable at any age — not just in retirement. Even with traditional health insurance, out-of-pocket costs like deductibles, copays, hospital stays, and unexpected bills can add up quickly.
That’s why we help individuals and families explore supplemental health coverage — plans designed to provide extra financial protection when life happens.
We offer supplemental coverage insured by
Cigna National Health Insurance Company (CNHIC)
These plans can help provide:
✔ Cash benefits for hospital stays or medical events
✔ Help with deductibles and copays
✔ Financial support for unexpected health expenses
✔ Added protection alongside your existing insurance
✔ Coverage options available for many ages and life stages
Whether you’re planning for retirement, still working, or simply want additional peace of mind, supplemental coverage can help protect your savings from unexpected medical costs.
We’ll walk you through your options and help you choose a plan that fits your needs and budget.
Frequently Asked Questions
Please reach us at retire@kershawretirement.com if you cannot find an answer to your question.
Yes — especially if you have dependents, outstanding debts, or want to help with final expenses or leave a legacy.
That depends on your goals. We’ll walk through your financial situation to recommend an amount that makes sense for you.
Not necessarily. We help find coverage that fits within your budget — even if you're older or have health conditions.
Some policies offer living benefits or cash value you can access while you're alive. We can help you explore these options.
Ready to Get Covered?
Let's find a policy that protects your peace of mind.
Contact us today to get started.
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