Annuities: Building Security for the Future

As a business owner, you’re always thinking ahead, so why not plan for the financial future of your business and your personal finances?

Annuities can be a powerful tool to grow and protect the money you’ve worked so hard to earn. With indexed annuities, your money grows steadily with the potential for higher returns than traditional savings options—without exposing you to the unnecessary risks that come with variable annuities.

A few of our carriers offer handsome bonuses that you don’t want to miss out on- one is as high as 13%, but these change over time, so don’t wait until later when you can do it now. Compounding interest works best when it has time + a good interest rate and even better with additional bonus money to help it grow.

Here’s how annuities can support your business and your people:

• Fuel Future Growth
  Annuities allow you to build a significant nest egg that you can tap into for expansion, new opportunities, or simply to give your business the financial cushion it needs to thrive long-term.

• Owner’s Pension Plan
  You don’t need to rely solely on selling your business one day to retire. With an annuity, you can create your own retirement income stream—predictable, reliable, and secure. This allows you to pass your business on to your heirs without fear of your own income- build a legacy and grow generational wealth.

• Employee Retention & Care
  Offering annuity-based pension plans for your employees not only helps them plan for their future but also shows that you, as an employer, care about their long-term well-being. This type of benefit strengthens loyalty, reduces turnover, and helps you attract top talent. Don’t have a large lump sum to invest in one of these for your employees? Don’t worry we have another solution for you! Read our IULs solution below.

• Peace of Mind
  Indexed annuities give you protection from market downturns. Your principal is safe, your growth is steady, and your business’s financial foundation is stronger—so you can focus on what you do best.

At The Blessed Ohana, we design annuity solutions that align with your goals—whether you want to secure your personal retirement, provide meaningful benefits for your employees, or ensure your business has the strength to carry on for generations.

The Financial Trinity:

Retirement, Cash Value, and Protection- All in One IUL Policy.

The Financial Trinity combines three powerful benefits into one: retirement income, cash value growth, and life protection.

Here’s why business owners love IULs:

• Affordable Alternative to Annuities
  Don’t have the lump sum to start an annuity for your employees? No problem. With an IUL, you can provide retirement benefits, cash value growth, and life insurance protection—all in one policy—without needing a large upfront investment.

• Retention & Loyalty
  Offering IULs shows employees you care about their future. Whether you fund the policy or set it up for them to contribute (with the option to match a percentage—similar to a 401(k)), employees gain long-term security. Unlike a 401(k), though, retirement income from an IUL can be withdrawn tax-free when structured properly and won’t run out before they die like a 401(k) can.

• Cash Value Flexibility
  IULs build tax-advantaged cash value over time. Employees (or even business owners themselves) can access this money for emergencies, business needs, or personal opportunities—without derailing their retirement.

• Protection for Family & Business
  Beyond retirement savings, IULs provide a death benefit that ensures loved ones are protected if the unexpected happens. For business owners, this can also safeguard the company’s future and provide stability during challenging times.

At The Blessed Ohana, we help small businesses design IUL strategies that work for both the employer and employee. By combining protection, growth, and flexibility, IULs give your business the edge in retention while giving your team peace of mind for their future.