Worried about outliving your Money—or a big long-term care bill? Tom explains a lifetime income annuity with an enhanced payout that can double your monthly income for up to five years if you need care. We walk through a real example (age 65 couple, $200k premium), when to start income, how it fits with Social Security, and why it belongs inside a comprehensive plan (not all your money!). Numbers vary by age and state
Hans “John” Scheil is the author of The Complete Cardinal Guide and has over 40 years of experience specializing in helping individuals at or near retirement. John’s insurance career began at the age of 18, when he sold insurance while attending college full time. His years in the insurance industry included positions as a Branch Manager, National Sales Director, and Senior Vice President for several nationally recognized insurance companies. John holds a Bachelor of Science degree from Northern Illinois University (1980) and a Master of Science in Management from The American College (2007).
John resides in Cary, North Carolina, with his wife, Ronda, and dog, Ellie, and has two grown sons. He is involved locally with StepUp Ministries and the Alzheimer’s Association. John enjoys golf, traveling the world, and leadership.
