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Protecting Your Business, Your Future, and Your Loved Ones
At Platinum Life Retirement Services, we specialize in utilizing life insurance to safeguard small businesses, protect key individuals, and create financial security for families. Whether it’s insuring business owners and essential personnel, securing mortgage and loan protection, or ensuring compliance with divorce decree requirements, we help clients navigate the complexities of life insurance with expert guidance.
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Smart Life Insurance Solutions
✔ Key Person & Business Owner Coverage – Protect your business from financial hardship if a key individual is lost.
✔ Loan & Mortgage Protection – Many lenders require life insurance to secure financing, ensuring your business stays on solid ground.
✔ Divorce-Related Life Insurance – Life insurance policies are often a requirement in divorce settlements, and we make the process seamless.
✔ Living Benefits for Retirement – We help clients maximize tax-free income through Indexed Universal Life Insurance (IUL), an incredibly flexible product that can act as both term and whole life coverage while functioning like an uncapped Roth IRA alternative.
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Going the Extra Mile
Unlike many agents who take a one-size-fits-all approach, we specialize in finding solutions for high-risk individuals—even those who have been previously declined for coverage. With in-depth research, persistence, and strong underwriting relationships, we advocate for our clients to ensure they receive the best possible policies.
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"After being denied life insurance multiple times, I was ready to give up. But Andra didn’t stop. They worked tirelessly to find a solution, and within days, I had coverage in place with a top-tier company. I can’t thank them enough!" - Candace C.
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Long-Term Care Without the High Cost
Traditional Long-Term Care (LTC) insurance has become prohibitively expensive, but Andra can help you find a LTC riders on life insurance policies—a more affordable and accessible alternative to protect your future.
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Life insurance isn’t just about protection—it’s a powerful financial tool. Let’s build a plan that works for you, your business, and your family.
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RETIREMENT PLANNING
​Retirement planning not only includes taking advantage of your saving and investing opportunities through the years, estimating your expenses in retirement, and preparing to have enough money to cover those costs for your lifetime but also spending your hard earned money the way you want to spend it!
MEDICARE SUPPLEMENT PLANS
Medicare Supplement Insurance, also known as Medigap, is extra insurance you can buy from a private health insurance company to help pay your share of out-of-pocket costs in. I can help you navigate all the different options in the market to best maximize your coverage and decrease your expense!
LONG TERM CARE POLICIES
Nobody likes to think about aging but sometimes we have too! A long-term care policy or LTC policy can help greatly offset many costs associated with aging. In the home setting, comprehensive policies generally nursing care as well as occupational, speech, physical, and rehabilitation therapy. A LTC policy can also help pay for an assisted living community that would help you with personal care, such as bathing and dressing.
LIFE INSURANCE
Life insurance can be bought at any age - did you know that? You can even buy life insurance for your newborn baby! There are two main types of life insurance, whole life & term life. Whole life is a form of permanent life insurance that lasts as long as you live (assuming you pay the policy’s premiums.) It also includes a cash value account—a type of savings account that grows tax free over time and that you can withdraw from or borrow against while you are alive. Term life insurance on the other hand, lasts only for a certain number of years (the term) and does not accrue any cash value.