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How Retirement Planning Works?

Step-by-Step Process:

1️⃣ Choose a retirement plan that aligns with your financial goals.

2️⃣ Pay regular premiums to the insurance provider.

3️⃣ Receive payouts starting at an age you determine, ensuring a steady income during retirement.

The key objective of retirement planning is to secure a reliable income stream once you stop working. This can be accomplished through two main financial products:

  • Variable Universal Life (VUL): Offer variable income based on market performance.

  • Endowment Plans: Provide guaranteed payouts, either as a lump sum or periodic income.

To create a balanced retirement plan, it’s best to combine variable and guaranteed income sources. Over time, transitioning from variable to guaranteed income helps provide financial security.

📌 Guiding Principle:

Allocate at least 20% of your annual income toward retirement savings.

For personalized options, consult a financial advisor to explore the best retirement products for you!

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