Base Insurance | Life Insurance Specialists

YOUR FOUNDATION FOR LIFE's UNCERTAINTIES

Helping you prepare for life’s what-ifs with confidence. Whether you’re protecting your family, your income, or your future, our life insurance solutions are designed to provide peace of mind when it matters most.

Turning Goals Into Action

These services are designed to address the insurance and income stability aspects of a financial plan. Life insurance and fixed annuities may be considered as part of a broader strategy to manage risk and support long-term objectives. The goal is to provide information and analysis that can assist in evaluating available options and how they might fit within an overall plan.

Life Insurance & Protection Planning

We offer a review of current life insurance coverage and help explore available options to address potential gaps in protection as part of an overall financial strategy.

MYGA Fixed Rate Annuities

We provide information on Multi-Year Guaranteed Annuities (MYGAs), including current fixed rate offerings, for individuals interested in strategies focused on principal protection and predictable growth.

Building Your Protection Roadmap with Expert Insight, Transparency, and Lasting Perspective

Base Insurance offers a selection of life insurance and multi‑year guaranteed annuities (MYGAs) to address protection and fixed‑interest needs. Insurance advisors collaborate with clients to evaluate options—ranging from term and whole life policies to MYGA contracts—based on individual circumstances and long‑term planning considerations.

Through clear benefit illustrations and detailed contract disclosures, clients can compare interest rates, policy features, and fee structures. By positioning these protection and fixed‑interest instruments alongside other financial components, Base Insurance contributes to a broader risk‑management and planning framework.

Frequently Asked Questions

What is Base Insurance and how does it work with Base Wealth Management?

Base Insurance serves as the dedicated insurance and annuity division that collaborates closely with Base Wealth Management. While Base Wealth’s advisors focus on investment strategy, retirement planning, and wealth accumulation, Base Insurance provides insurance‑based solutions—such as life policies and multi‑year guaranteed annuities (MYGAs)—to complement those strategies. Together, the two teams aim to coordinate your investment and insurance choices so they align with your broader financial objectives.

Which insurance and annuity products are offered through Base Insurance?

You can access a range of insurance and annuity solutions, including:

Term Life Insurance for income replacement over a defined period

Whole Life or Universal Life Insurance for lifelong coverage with potential cash‑value accumulation

Multi‑Year Guaranteed Annuities (MYGAs) that lock in a fixed interest rate for a set term, helping provide a predictable component within a retirement portfolio

All products are underwritten by established carriers. Your Base Wealth advisor and the Base Insurance team work together to determine which combination of solutions may best address your needs.

What is a Multi‑Year Guaranteed Annuity (MYGA) and how might it fit into my plan?

A MYGA is a fixed‑rate annuity that guarantees an interest rate for a predetermined term—commonly three to ten years. By providing a set, known rate of return on the funds you allocate, a MYGA can serve as a stabilizing element within a diversified retirement strategy. It may be particularly useful for portions of your portfolio where you seek to reduce exposure to market fluctuations.

What should I know about fees, minimum investments, and surrender‑charge schedules?

Each insurance product carries its own cost structure and requirements:

Minimum investment amounts vary by carrier and product (often starting around $10,000–$25,000 for MYGAs).

Fees and commissions are typically built into the policy or annuity pricing; your advisor will disclose all costs upfront.

Surrender charges apply if you withdraw funds early from an annuity contract and usually decline over the surrender‑charge period.

Your Base Insurance specialist can walk through the exact figures and schedules so you can compare options side‑by‑side.

How do I determine the right amount of life insurance coverage?

Evaluating appropriate coverage generally involves assessing factors such as:

Income replacement needs for your dependents

Outstanding debts (mortgage, loans) and future obligations (college funding)

Existing assets and other sources of support

Lifestyle goals and the financial legacy you wish to leave

By reviewing these elements with both a Base Wealth advisor (for overall cash‑flow planning) and a Base Insurance specialist (for policy specifics), you can arrive at a coverage level that seeks to balance protection with affordability.