Peace of Mind Insurance & Retirement Strategies
Experience personalized attention and expert advice from our consultants, who are dedicated to helping you find the perfect plan to protect your future.
About Us
Welcome to P.O.M. Agency, your trusted partner in securing the future of your loved ones. At P.O.M., we understand that life is full of uncertainties, and that's why we're here to provide you with peace of mind through our comprehensive life and retirement solutions.
Our Services
We here at P.O.M., offer a range of comprehensive life and retirement strategies to meet your unique needs and provide you with the peace of mind you deserve. Our commitment to excellence and our dedication to our clients set us apart in the insurance and financial strategies industry.
Life Insurance Solutions
At P.O.M, we understand that protecting your loved ones with financial security in uncertain times is one of your highest priorities. That's why we're dedicated to providing a wide range of comprehensive life insurance services to safeguard your family's peace of mind and offer stability when it's needed most.
Retirement Planning
Advanced Market strategies offer a powerful retirement solution by combining tax advantages, wealth accumulation, and guaranteed income. These programs provide financial security by leveraging cash value growth, minimizing tax burdens, and ensuring a steady retirement income stream.
401k & 403B Rollover
At P.O.M. Agency, we specialize in guiding clients through the complexities of rolling over their 401k or 403B into a Fixed Indexed Annuity (FIA). Our team offers personalized strategies to ensure a seamless transition. FIA's provide protection from market downturns, ensuring your principal is safeguarded against losses and offering potential growth linked to market index performance. While also providing guaranteed lifetime income, helping to secure your financial future.
Living Benefits
At P.O.M. Agency, we include living benefits with most of our coverages, ensuring you have financial support when it matters most. Living Benefits allow policy holders to access a portion of their death benefit while still alive, typically in cases of terminal, chronic, or critical illness. These benefits can help cover medical expenses, long-term care, or other financial needs during challenging times.
Meet Our Expert Team
Janice Wurtz
CEO
Charnetta Barnes
Talent Acquisition Scout
Joshua Napier
Illistration Specialist
FAQS
What is the difference between term life insurance and whole life insurance?
Term life insurance provides coverage for a specified term, typically 10, 20, or 30 years. It offers a death benefit to your beneficiaries if you pass away during the term, but it doesn't accumulate cash value. Whole life insurance, on the other hand, provides lifelong coverage and includes a savings component that builds cash value over time. While term insurance is usually more affordable, whole life insurance can serve as both protection and a long-term investment.
How does advanced market retirement planning differ from standard retirement planning?
While standard retirement planning focuses on accumulating sufficient funds for retirement, advanced market planning delves deeper into complex financial considerations. It addresses issues like multi-generational wealth transfer, sophisticated tax strategies, and the management of substantial or diversified asset portfolios.
Why should I roll over my 401k or 403b into an FIA plan?
Rolling over your 401(k) or 403(b) into a Fixed Indexed Annuity (FIA) can offer several advantages for your retirement planning:
1. Guaranteed Lifetime Income: FIAs can provide a steady income stream throughout your retirement, ensuring you won't outlive your savings.
2. Principal Protection with Growth Potential: FIAs safeguard your principal from market downturns while allowing for growth linked to market index performance.
3. Tax-Deferred Growth: Earnings within an FIA grow tax-deferred, meaning you won't pay taxes on the interest until you withdraw the funds, potentially during retirement when you might be in a lower tax bracket.
Knowing that my family is financially protected gives me peace of mind. I highly recommend P.O.M. Agency for their professionalism and quality service.
Their customer support team has always been helpful in clarifying any questions I've had. Overall, I feel secure with P.O.M. as my retirement planner.
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