Build a paycheck for life that Social Security alone can't.
We help pre-retirees and retirees create guaranteed income strategies using life insurance and annuities — so you never have to worry about running out of money.
Social Security was designed to replace ~40% of your income. Most financial planners recommend replacing 70–80%. That gap has to come from somewhere.
Free consultation — no obligation
How big is your income gap — and how do we close it?
Enter your numbers below to see your estimated monthly shortfall and what it would take to fill it.
Your situation
Your estimated results
~40% of retirees run out of money
Research consistently shows that a significant portion of Americans exhaust their retirement savings — often within the first 15 years of retirement. Rising healthcare costs and longer lifespans make the math harder every year.
The average gap is $1,500–$3,500/month
Between what Social Security pays and what most retirees actually need to cover housing, healthcare, food, and lifestyle — there's a substantial monthly shortfall that must come from somewhere.
A guaranteed income annuity can close it permanently
A properly structured annuity creates a second guaranteed "paycheck" that continues for life — regardless of how long you live or what happens to the stock market.
build your retirement income floor
Guaranteed Income Layering
Stack a fixed indexed annuity with a lifetime income rider on top of your Social Security benefit. The result: a guaranteed combined monthly income that covers your essential expenses no matter what — for life.
Social Security Maximization
Choosing when to claim Social Security can mean $50,000–$150,000 more in lifetime benefits. We help you understand the break-even analysis and optimal claiming strategy based on your health, marital status, and other income sources.
Legacy & Protection Planning
Life insurance within a retirement plan provides a tax-free inheritance for your heirs, can include long-term care riders for healthcare costs, and creates estate liquidity without forcing your family to liquidate assets at the wrong time.
Claiming at 62 permanently reduces your benefit by up to 30%
The earlier you claim, the smaller your monthly check — forever. You can't undo an early claim.
Delaying to 70 adds 8% per year — guaranteed
If you can cover expenses with other income sources (like an annuity) while delaying, the long-term gain can be substantial.
Spousal benefits add another layer of strategy
Coordinating when each spouse claims can significantly increase your combined lifetime benefit — especially if there's a large income difference.
*Illustrative example based on a $2,000 full retirement age (FRA) benefit. Your actual benefit depends on your earnings history. FRA is 67 for those born in 1960 or later.
plan is built
Foundation layer — Social Security
Your guaranteed government benefit forms the base. The goal is to maximize this through smart claiming strategy — because it's the only inflation-adjusted income source you'll have.
Income layer — Annuity paycheck
A fixed indexed annuity with a lifetime income rider creates a second guaranteed paycheck that fills the gap Social Security leaves. Combined with SS, this covers essential monthly expenses for life.
Legacy layer — Life insurance
Permanent life insurance or a final expense policy creates a tax-free benefit for your heirs — protecting the wealth you've built and ensuring your family is taken care of after you're gone.
You reach out
Fill out the contact form or call us. Tell us about your retirement timeline and income goals.
We calculate your gap
We walk through your projected Social Security, other income sources, and monthly needs to quantify the exact shortfall.
We build your options
We present the best annuity and insurance products from 50+ carriers to close your gap — explained in plain English.
You decide
No pressure, no upsells. Move forward if it makes sense. Walk away if it doesn't. Zero obligation.
"My husband and I had no idea our Social Security would only cover half our bills in retirement. Life Income Path helped us set up an annuity that covers the rest — guaranteed for life."
"I was 63 and had no pension. The income review showed me I had a $2,100/month gap. We closed most of it with an annuity and by delaying my Social Security claim two years."
"I'm 71 and already retired. I thought it was too late to do anything. They helped me restructure some savings into an annuity that now pays me $680 extra a month — forever."
Don't leave your retirement
income to chance.
A free 15-minute income review can show you exactly where the gap is — and what it takes to close it. No obligation. No pressure. Just real numbers.