Index Accounts products are a great addition to your retirement planning. In short, these accounts earns an interest based on the changes in value of a major market index.

There is a built-in safety here -- the 0% floor.  Your policy can never lose value because of this and you are still allowed to take advantage of the potential upside of the index. It is a win-win situation.


Reina offers these individual retirement accounts as a retirement income solution to her clients due to the lifetime income benefit. What this means is by investing your funds in this type of account, the lifetime benefit functions like a “private pension.”


The fear of outliving retirement income has become a very realistic concern to many and for good reason. Growing old isn’t so bad anymore, and that’s a good thing. People are not only living longer, they have better education – resulting in better health, higher income, and a higher standard of living in retirement.


But, now a new challenge presents itself: “How do I make sure my retirement income lasts?” Fortunately, there may be a simple solution. The Lifetime Income Benefit  (LIB) is automatically added to your policy, offering you a valuable option later in life. Once qualifications are met and the rider is exercised, it guarantees you a stream of income for the rest of your life – money you can’t outlive.


Living benefits are supplemental benefits attached to a life insurance policy that can provide a financial solution in the case of life events other than death.  This means that you can access funds before the culmination of your policy. 

If you have a terminal illness, a chronic or critical condition that keeps you from taking care of your everyday needs, or even a critical injury, these types of benefits can relieve the financial troubles that accompany these situations. Social Security benefits won’t cover everything – let Reina help you set up a secondary plan.


  • Retirement Plans

  • Annuities, IRAs, Roth IRAs,401K, 403B, Rollovers and Start up Plans,

  • Proper Protection Life Insurance, Term, Return of Premium Term, Index Universal Life with Living Benefits,

  • Final Expenses, Non-medical Life Insurance, Key-person Insurance and many more.

Financial Services