What Is Safe Money? Principal-Protected Retirement

Quick Answer: Safe money strategies protect your retirement savings from market loss while providing guaranteed growth or income. Complete guide from SafeMoney.com.

You worked decades building your retirement savings. You watched the market climb, tolerated the dips, and stayed the course — because that is what everyone told you to do. But as retirement approaches, the math changes. A 30% market crash at age 35 is a setback. The same crash at age 65 can be catastrophic and permanent. That is the moment when "safe money" stops being a conservative preference and becomes the cornerstone of sound retirement planning.

SafeMoney.com was built on a single premise: every retirement plan deserves a guaranteed foundation. This guide explains exactly what safe money is, what products qualify, how much of your portfolio should be protected, and how to build a retirement strategy that generates income you cannot outlive — regardless of what the market does.

What Qualifies as a "Safe Money" Product?

Not every conservative investment is a safe money alternative. The term has a specific meaning in retirement planning: a financial product that provides a contractual guarantee of principal protection from an insurance company regulated by your state's Department of Insurance. Three criteria define a genuine safe money alternative:

Criterion	What It Means	Why It Matters
Principal Guarantee	Your original deposit is protected by contract — you cannot lose it due to market performance	Eliminates market risk and sequence of returns risk
Insurance Company Backing	Issued by a licensed, state-regulated insurance carrier subject to reserve requirements	State guaranty associations provide a safety net if the carrier fails
Contractual Growth or Income	Interest credits or income payments are defined in the contract — not subject to board decisions or market performance	Provides predictability and planning certainty in retirement

What Does NOT Qualify as Safe Money

Many products are marketed as "conservative" or "low-risk" but do not provide the contractual guarantees that define a true safe money alternative. These include:

• Dividend-paying stocks — dividends can be cut; principal is subject to market loss
• Money market funds — returns are not guaranteed and can fall to near zero
• Treasury bills and government securities — return of principal is high confidence but not guaranteed against inflation loss, and they carry no income guarantee
• Target-date funds — even the most conservative allocations carry market risk
• Savings accounts and CDs — FDIC-insured for principal up to $250,000, but rates are not locked for life and provide no longevity protection
• Variable annuities — despite the "annuity" label, these are securities products whose account value fluctuates with the market

The line is clear: if there is no contractual guarantee of your principal from an insurance company, it is not a safe money alternative — no matter how it is marketed.

The Complete Safe Money Alternatives — Product by Product

The safe money universe includes several distinct products, each with its own mechanics, use case, and ideal candidate profile. Understanding the differences is essential for building the right strategy. For a deeper overview, see our complete annuities guide.

Fixed Annuities

A fixed annuity is the most straightforward safe money product. You deposit a premium with an insurance company, and the company credits a declared interest rate — set annually — to your account value. Your principal is guaranteed. Your interest credits are guaranteed to be positive (never negative). Growth is tax-deferred until withdrawal.

Fixed annuities are ideal for savers who want a CD-like experience with better rates, tax deferral, and no FDIC contribution limits. They function as the "savings account" component of a safe money strategy — dependable, transparent, and simple.

Fixed Index Annuities (FIAs)

A fixed index annuity is the most widely used safe money alternative in retirement planning today. Instead of a declared rate, the insurance company credits interest based on the performance of a market index — most commonly the S&P 500, though dozens of index options exist. The critical feature: a guaranteed floor of zero. When the index rises, you receive a portion of the gain. When the index falls, you credit zero. You never go backward.

The tradeoff is the cap rate and participation rate — the insurance company limits your upside in exchange for the downside guarantee. In a year where the S&P 500 rises 24%, you might credit 10–12% depending on your contract terms. In a year where it drops 35%, you credit zero. Over a full market cycle, this combination — capturing a portion of the gains, absorbing none of the losses — has historically produced competitive long-term returns with dramatically lower volatility.

FIAs also frequently include optional income riders that guarantee a lifetime income stream regardless of account value — addressing longevity risk directly. Learn more in our fixed index annuity complete guide and our FIA comprehensive resource.

Multi-Year Guaranteed Annuities (MYGAs)

A multi-year guaranteed annuity (MYGA) locks in a fixed interest rate for a defined term — typically 3, 5, 7, or 10 years. Think of it as a tax-deferred CD issued by an insurance company. You know the exact rate for the full term before you sign. There are no moving parts, no index calculations, and no participation rates to understand. At the end of the term, you can renew, roll to a new MYGA at prevailing rates, or convert to income.

MYGAs have surged in popularity as interest rates have risen, with top 5-year MYGA rates frequently exceeding CD rates at major banks. Check current top rates on our MYGA rates comparison page.

Indexed Universal Life Insurance (IUL)

An indexed universal life (IUL) policy provides permanent life insurance death benefit protection alongside a cash value component that credits interest linked to a market index — with a guaranteed floor of zero, exactly like an FIA. The cash value grows tax-deferred and can be accessed tax-free through policy loans in retirement, making IUL one of the most tax-efficient safe money vehicles available.

IUL is particularly valuable for high-income earners who have maxed out their 401(k) and Roth IRA contributions and are looking for additional tax-advantaged accumulation. It also provides a death benefit that an annuity does not.

Whole Life Insurance

Traditional whole life insurance provides a guaranteed, contractually fixed growth rate on the cash value — typically 3–4% annually — plus dividends from the insurance company's general account (which are not guaranteed but have been paid consistently by top mutual carriers for over 100 years). Like IUL, cash value is accessible tax-free through loans.

Whole life is the most conservative safe money vehicle — its growth rate never varies and is not tied to any index. It is the preferred choice for those who prioritize absolute predictability over growth potential.

Safe Money vs. Market-Risk Alternatives — A Full Comparison

Understanding where safe money alternatives fit in the broader retirement planning landscape requires comparing them directly to market-risk approaches. See also our dedicated guide on market risk in retirement.

Feature	Safe Money Alternatives	Market-Risk Investments
Principal Protection	✅ Contractually guaranteed	❌ Subject to market losses
Growth Potential	Moderate — capped or declared rate	Higher — uncapped upside
Lifetime Income Guarantee	✅ Available via income riders	❌ Requires systematic withdrawal (can run out)
Tax Treatment	Tax-deferred growth; ordinary income on withdrawal	Varies — capital gains rates on appreciated assets
Regulatory Oversight	State Dept. of Insurance	SEC, FINRA
Sequence of Returns Risk	✅ Eliminated	❌ Present — early losses are permanently damaging
Longevity Risk	✅ Eliminated with income rider	❌ Risk of outliving assets is real
Liquidity	Limited during surrender period (10% free withdrawal typical)	Generally liquid (market hours)

The key insight: safe money alternatives and market-risk investments serve fundamentally different purposes in a retirement portfolio. One provides the guaranteed floor; the other provides growth potential. A complete retirement income strategy typically uses both in a coordinated way.

Why Safe Money Becomes Essential as You Approach Retirement

The argument for safe money is not just philosophical — it is mathematical. Two forces make market risk increasingly dangerous as you near and enter retirement:

Sequence of Returns Risk

Sequence of returns risk is the danger that a market downturn early in your retirement — when your account is at its largest — will cause permanent, irreversible damage to your portfolio's ability to generate income for life. The same average rate of return produces dramatically different outcomes depending on when the losses occur.

Consider two retirees who both average 6% annual returns over 20 years. Retiree A experiences strong returns early and losses late. Retiree B experiences the same losses, but early. Despite identical averages, Retiree B — who took the losses first — may run out of money a decade sooner. This is not theory; it is the mathematical reality of withdrawing from a declining account.

Safe money alternatives eliminate sequence of returns risk for the portion of your portfolio they protect. When the market drops 40%, your safe money alternative credits zero — not negative 40%. You do not compound losses. You do not withdraw from a depleted account. The floor holds.

The Psychological Reality of Retirement Losses

Beyond the math, there is a human dimension. Workers can ride out a bear market because they have decades and a salary. Retirees do not. Research consistently shows that retirement portfolio losses trigger anxiety, panic selling, and behavioral decisions that make mathematical damage worse. Safe money alternatives remove this variable entirely. When you have guaranteed income from an annuity covering your essential expenses, a market downturn becomes something you watch on the news — not something that threatens your survival.

To understand the full scope of market risk in retirement, read our guide: Market Risk in Retirement: How to Protect Your Savings.

How Much of Your Portfolio Should Be in Safe Money Alternatives?

There is no single universal answer — but there are three well-established frameworks that most independent safe money specialists use as starting points.

The Rule of 100 (and Updated Versions)

The traditional Rule of 100 is simple: subtract your age from 100. The result is the maximum percentage of your portfolio appropriate for market-risk assets. The remainder belongs in safe money alternatives.

• Age 55: Up to 45% in market risk, at least 55% in safe money alternatives
• Age 65: Up to 35% in market risk, at least 65% in safe money alternatives
• Age 75: Up to 25% in market risk, at least 75% in safe money alternatives

Given longer life expectancies today, many specialists now use 110 or 120 as the base, allowing a slightly higher allocation to growth-oriented assets for those with longer time horizons and strong health. A 65-year-old using the Rule of 120 would have up to 55% in market-risk assets.

The Income-Needs Approach

A more precise method focuses on income rather than percentages. Add up all your guaranteed, non-negotiable monthly expenses in retirement: housing, utilities, food, healthcare, transportation. Then identify your existing guaranteed income sources: Social Security, pension payments, any existing annuity income.

If your guaranteed income covers all essential expenses, the rest of your portfolio is truly discretionary — you can afford more market exposure. If there is a gap between essential expenses and guaranteed income, that gap should be filled with a safe money alternative — typically an annuity with an income rider. This approach ensures your survival needs are met regardless of market performance, while any market-exposed assets are genuinely available for growth and legacy.

The Three-Bucket Retirement Strategy

The three-bucket approach divides your retirement assets by time horizon:

• Bucket 1 (Now — Years 1–5): Cash, CDs, short-term MYGAs. Covers immediate income needs without touching growth assets. No market exposure.
• Bucket 2 (Mid-term — Years 5–15): Fixed index annuities, MYGAs with longer terms, fixed annuities. These are your safe money alternatives — growing with limited market exposure and protected against loss.
• Bucket 3 (Long-term — Years 15+): Growth-oriented assets for inflation protection, legacy, and healthcare reserve. Market-risk exposure is appropriate here because you have a long time horizon and your income needs are met by buckets 1 and 2.

This approach is explored in depth in our guide to planning retirement and our retirement income strategies overview.

Safe Money Planning by Stage of Life

The right safe money strategy looks different depending on where you are in the retirement timeline. Our detailed guide to saving for retirement by age and stage covers the full picture.

Accumulation Phase (Ages 45–57)

In the accumulation years, your primary goals are growing wealth and beginning the transition away from pure market exposure. Safe money alternatives serve two functions in this phase:

1. Diversification: Allocating a portion — perhaps 20–35% — of your portfolio to FIAs or MYGAs reduces overall volatility without sacrificing meaningful growth potential
2. Locking in gains: Annual reset provisions in FIAs lock in index credits at each anniversary, so a strong market year's gains become your new protected floor

This is also the time to consider whether your 401(k) offers any safe money options. Many employer plans now include fixed account options, stable value funds, or even annuity options within the plan. If yours does not, a 401(k) rollover at retirement can move those assets into a more suitable safe money vehicle. 457(b) plan participants have additional flexibility — they can often access their funds without the 10% early withdrawal penalty that applies to 401(k)s.

Pre-Retirement (Ages 58–65)

The five to seven years before your target retirement date are the highest-risk window in your financial life. Your portfolio is at or near its peak value. A major market crash during this window — and you do not have time to recover before you need to start drawing income. This is what financial planners call the "retirement red zone."

During the pre-retirement phase, the most important action you can take is protecting the income-generating portion of your portfolio. Moving 50–70% of your retirement assets into safe money alternatives before you retire eliminates the sequence of returns risk that could otherwise derail your plan. Our checklist for preparing for retirement walks through every step of this transition.

Distribution Phase (Ages 65+)

Once you retire, your portfolio's job changes fundamentally. It no longer needs to grow maximally — it needs to pay you reliably for the next 25–35 years. This changes the calculus entirely. Safe money alternatives — particularly annuities with guaranteed income riders — become the engine of your retirement paycheck.

The distribution phase is also when Social Security optimization becomes critical. The decision of when to claim, whether to coordinate with a spouse, and how annuity income interacts with Social Security taxation can add tens of thousands of dollars of lifetime value. See our guide to retirement savings and distribution strategy for more detail.

How State Regulation Protects Safe Money Alternatives

One of the most important — and most misunderstood — aspects of safe money alternatives is their regulatory framework. Unlike securities, which are regulated by the SEC and FINRA at the federal level, annuities and life insurance are regulated by state Departments of Insurance.

Reserve Requirements

Insurance companies that issue annuities are required by state law to maintain reserves — assets set aside specifically to meet their contractual obligations to policyholders. These reserve requirements are significantly more conservative than what typical banks maintain relative to deposits. The National Association of Insurance Commissioners (NAIC) sets model regulations that most states adopt, including detailed reserve formulas, solvency standards, and consumer disclosure requirements.

State Guaranty Associations

Every state has an insurance guaranty association — similar in concept to FDIC insurance for banks — that provides a safety net for policyholders if an insurance company fails. The National Organization of Life and Health Insurance Guaranty Associations (NOLHGA) coordinates these state associations. Coverage limits vary by state but typically range from $100,000 to $300,000 per contract for annuity values.

This means your safe money alternative is not just backed by the insurance company — it has a second layer of protection from your state's guaranty fund. It is important, however, to verify the financial strength of any carrier you use. Look for AM Best ratings of A or better, which indicate strong financial health.

Suitability Requirements

The NAIC's Annuity Suitability Model Regulation — adopted by most states — requires that agents and advisors selling annuities document why a particular product is suitable for the specific client's age, financial situation, risk tolerance, and objectives. Recommendations must be in the client's best interest. This provides an important layer of consumer protection that does not always exist in the broader financial services industry.

Evaluating a Safe Money Product — What to Compare

Not all safe money alternatives are created equal. When comparing FIAs, MYGAs, or fixed annuities, these are the key terms to understand and evaluate side by side. Working with an independent specialist ensures you have access to multiple carriers to find the best combination for your needs.

Term	What It Is	What to Look For
Cap Rate (FIA)	Maximum index credit in a given period regardless of index performance	Higher is better; check renewal rate history, not just initial rate
Participation Rate (FIA)	Percentage of index gain you receive (e.g., 80% participation = you get 80% of the index gain)	Higher is better; some products use participation rate instead of (or alongside) a cap
Spread (FIA)	A fee deducted from index gains before credit (e.g., 2% spread means index must gain 2%+ before you earn anything)	Lower is better; avoid products with high spreads combined with low caps
Surrender Period	Number of years during which early withdrawals trigger a penalty charge	Match surrender period to your time horizon; confirm free withdrawal provisions (typically 10%/year)
Income Rider Roll-Up Rate	The guaranteed annual growth rate applied to your income benefit base before you start taking income	Higher roll-up rates produce larger lifetime income payments; compare payout factors too
AM Best Rating	Independent financial strength rating of the insurance carrier	Only consider carriers rated A- or better; A+ and A++ indicate exceptional financial strength
Bonus (if any)	Upfront credit to your account or income base at contract issue	Bonuses often come with longer surrender periods or lower caps — evaluate the total picture, not just the bonus

Safe Money and Your Tax Strategy

Tax planning is inseparable from safe money planning. Safe money alternatives offer powerful tax advantages — but also some tax considerations that require careful planning. Our complete guide to retirement tax planning covers the full strategy.

Tax-Deferred Growth

All annuities — fixed, indexed, and MYGA — accumulate interest on a tax-deferred basis. You pay no income tax on the growth until you make withdrawals. This compounding without the annual tax drag can dramatically increase the value of your savings over time compared to a fully taxable account earning the same rate. For someone in a 24% tax bracket, a 5% MYGA rate effectively grows at the equivalent of a 6.58% taxable rate when accounting for the tax deferral benefit.

Roth Conversions and Safe Money Timing

For retirees with large traditional IRA or 401(k) balances, the years between retirement and age 73 (when required minimum distributions begin) present an opportunity: strategic Roth conversions. By converting traditional IRA funds to Roth during lower-income years — before Social Security begins or RMDs kick in — you can significantly reduce your lifetime tax burden.

Safe money alternatives play a role here: if your FIA or MYGA is generating sufficient tax-deferred income to cover your expenses, you may have room in lower tax brackets for conversions that create permanently tax-free retirement income.

Qualified vs. Non-Qualified Annuities

Annuities purchased inside an IRA, 401(k), or other qualified retirement account are qualified annuities. All withdrawals are taxed as ordinary income. Annuities purchased with after-tax dollars are non-qualified. For non-qualified annuities, only the gain (not the return of your original premium) is taxable — determined by an exclusion ratio. This is an important distinction that affects the tax treatment of every payment you receive.

Safe Money and Social Security — Coordinating Your Guaranteed Income Sources

Most retirees have two potential sources of guaranteed income: Social Security and annuities. How you coordinate them determines the stability and tax efficiency of your entire retirement paycheck. The Social Security Administration provides tools to estimate your benefit at different claiming ages.

The core strategic principle: Social Security benefits increase approximately 8% per year for every year you delay claiming beyond full retirement age (up to age 70). If you have a guaranteed annuity income bridge — payments that cover your expenses from age 62 or 65 until 70 — you can delay Social Security and capture the maximum lifetime benefit. This strategy can add hundreds of thousands of dollars in lifetime guaranteed income for a married couple.

This income coordination strategy — sometimes called a "Social Security bridge" — is one of the highest-value applications of safe money planning. It requires careful modeling of your specific benefit amounts, health status, and income needs.

Common Safe Money Mistakes to Avoid

Even well-intentioned retirees make avoidable mistakes when implementing safe money strategies. Knowing these pitfalls protects you from costly errors.

Putting All Your Assets Into One Product

Safe money alternatives are one component of a complete retirement plan — not the entire plan. Putting 100% of your assets into annuities limits your liquidity, reduces your ability to respond to unexpected large expenses, and may not be suitable depending on your health and legacy goals. A thoughtful allocation leaves liquid reserves for emergencies and discretionary spending.

Ignoring Surrender Charges and Liquidity Needs

Annuities with surrender periods limit access to your money. Most allow free withdrawals of 10% of account value per year without penalty, but larger withdrawals trigger surrender charges — sometimes 8–10% in the early years. Before purchasing, be certain you understand the liquidity provisions and that you have adequate liquid assets outside the annuity for emergencies.

Chasing the Highest Cap Rate Without Evaluating the Carrier

High cap rates and participation rates attract attention, but a financially weak carrier offering exceptional rates is a warning sign, not a bargain. The insurer's financial strength — reflected in AM Best ratings — determines whether those contractual promises will be kept decades from now. Only work with carriers rated A- or better, and never select a product based on rate alone.

Working With a Captive Advisor

A captive advisor — one who represents a single insurance company — can only show you that company's products. With hundreds of carriers competing for your business, limiting yourself to one company's menu almost certainly means leaving money on the table or accepting worse terms than you could obtain elsewhere. Independent advisors compare dozens of carriers and recommend the product that best fits your situation. Our guide to retirement planning services explains exactly what to look for when choosing an advisor.

Not Understanding the Income Rider Mechanics

Income riders are powerful — but they operate on an income benefit base that is separate from your actual account value. The roll-up rate grows your income base (not your actual cash value). Understanding the distinction between these two numbers is essential. Your income payments are calculated from the income base; your actual cash value is what you would receive if you surrendered the contract. These two numbers diverge significantly over time.

How to Find a Safe Money Specialist Near You

The quality of your safe money plan depends significantly on the quality of your advisor. Here is how to identify a genuinely independent, qualified safe money specialist.

Independent vs. Captive Advisors

As noted above, independence is non-negotiable. A true independent advisor has no financial incentive to recommend one carrier over another beyond the compensation disclosed in your contract. They shop the market for you and explain why they are recommending a specific product over alternatives.

Questions to Ask Before You Sign Anything

• How many insurance carriers do you have access to?
• What is your compensation structure for this product?
• What is the AM Best rating of the carrier you are recommending?
• Can you show me a side-by-side comparison of at least three products?
• What are the full surrender charge schedule and free withdrawal provisions?
• How does this product interact with my Social Security and tax situation?
• What happens to my income payments if I need long-term care?

Every qualified safe money specialist will answer these questions clearly and without hesitation. If an advisor deflects, rushes you, or presents only one option, find someone else.

SafeMoney.com connects consumers exclusively with independent, licensed, vetted safe money specialists. Use our advisor finder to connect with a specialist in your state. You can also use our retirement calculators to model how different safe money strategies affect your projected income.

Building a Complete Safe Money Strategy — A Step-by-Step Framework

A complete safe money strategy is not just about buying an annuity. It is about coordinating all your guaranteed income sources, tax strategies, and portfolio components into a coherent plan. Our comprehensive guides to how to plan for retirement and retirement education are the best starting points for the full picture. For stage-specific guidance, see preparing for retirement.

Here is the framework most independent safe money specialists use:

1. Inventory your current guaranteed income: Social Security estimates, any pension, any existing annuity income
2. Calculate your essential monthly expenses in retirement: housing, utilities, food, healthcare, insurance, transportation
3. Identify the income gap: the difference between guaranteed income and essential expenses. This gap must be filled with a guaranteed source
4. Select the right safe money vehicle for the gap: FIA with income rider for lifetime income, MYGA for fixed-term accumulation, fixed annuity for simplicity
5. Determine the growth and legacy allocation: what portion of your assets, beyond essential income needs, can remain in market-risk investments for long-term growth and inheritance goals
6. Optimize the tax sequence: coordinate Roth conversions, RMD planning, and Social Security claiming to minimize lifetime taxes
7. Review annually: life changes, tax law changes, and product improvements warrant periodic strategy review

Frequently Asked Questions

What is safe money?

Safe money refers to financial products and strategies that protect your principal from market loss while providing guaranteed growth or income. Products include fixed annuities, fixed index annuities, multi-year guaranteed annuities (MYGAs), and certain life insurance policies. The defining characteristic is a contractual guarantee — you cannot lose your principal due to market downturns.

Is life insurance considered safe money?

Yes. Permanent life insurance products with a cash value component — including whole life and indexed universal life (IUL) — are considered safe money alternatives when structured correctly. The cash value grows on a tax-deferred basis and is not subject to market losses. Whole life policies provide a guaranteed, contractually fixed growth rate. IUL policies offer index-linked growth with a guaranteed floor, similar to a fixed index annuity.

What is the difference between a fixed annuity and a fixed index annuity?

A fixed annuity credits a declared interest rate set by the insurance company each year — similar to a CD but with tax deferral and insurance protections. A fixed index annuity (FIA) credits interest based on the performance of a market index like the S&P 500, subject to caps and participation rates, with a guaranteed floor of zero. Both protect your principal. FIAs offer more growth potential; fixed annuities offer more predictability.

What is a MYGA and how does it differ from a CD?

A multi-year guaranteed annuity (MYGA) is an insurance contract that locks in a guaranteed interest rate for a set term — typically 3, 5, 7, or 10 years. Like a CD, the rate is fixed for the term. Unlike a CD, MYGA growth is tax-deferred, and MYGAs frequently offer better rates than bank CDs. Compare current top MYGA rates on our MYGA rates page.

How much of my retirement should be in safe money alternatives?

A common guideline is the Rule of 100: subtract your age from 100 to determine the percentage of your portfolio appropriate for market-risk assets, with the remainder in safe money alternatives. At age 65, this suggests 65% in safe money. The most important factor, however, is your income needs — guaranteed income should cover all essential retirement expenses regardless of market performance.

Can I lose money with a fixed annuity?

You cannot lose money due to market downturns with a fixed annuity — your principal is contractually guaranteed by the insurance company. However, you can incur surrender charges if you withdraw more than the free withdrawal allowance during the surrender period. Withdrawals before age 59½ may also trigger a 10% IRS penalty on gains.

What risks does safe money protect against?

Safe money alternatives protect against market risk (loss of principal due to stock market declines), sequence of returns risk (the danger of early market losses permanently damaging a retirement portfolio), and longevity risk (the risk of outliving your money). Annuities with income riders specifically address longevity risk by guaranteeing income for life regardless of account balance.

Are safe money products regulated?

Yes. Annuities and life insurance products are regulated at the state level by each state's Department of Insurance. The National Association of Insurance Commissioners (NAIC) sets model regulations covering suitability, reserves, and consumer disclosures. Fixed annuities and FIAs are insurance products — not securities — meaning your advisor needs only an insurance license, not a securities license.

Should I work with a safe money specialist or a general financial advisor?

For the safe money portion of your retirement plan, an independent specialist with access to multiple carriers will typically provide better product selection and more objective recommendations. A general financial advisor may have broader expertise but less depth in annuity product design, carrier ratings, and income rider mechanics. See our guide to retirement planning services for how to evaluate and choose the right advisor.

What does "independent" mean for a safe money advisor?

An independent safe money advisor is not employed by or contracted exclusively with one insurance company. They can shop multiple carriers and products to find the best rates, terms, and benefits for your situation. SafeMoney.com connects consumers exclusively with independent, licensed safe money specialists who have access to dozens of carriers. Find an independent advisor near you.