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    Retire with Confidence
    Enjoy Guaranteed Monthly Income for Life

    Turn your savings into a steady, tax-efficient income stream and protect your legacy with a personalized Insurance + Retirement Plan from Punjab Insurance.

    Retirement savings graph and policy folder

    What Is Insurance + Retirement Plan?

    An Insurance + Retirement Plan combines the security of insurance with the power of structured retirement income. Using products like annuities, RRIFs, guaranteed income funds, and insurance-backed solutions, you can transform your savings into reliable, predictable monthly payments that last as long as you do.

    • Guaranteed monthly payouts for life or a set period
    • Protection from market volatility and economic uncertainty
    • Tax-efficient withdrawals to maximize your retirement income
    • Options for survivor benefits and legacy planning

    Retirement Plan Quote

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    Why Choose a Retirement Income Plan?

    Certainty
    Certainty

    Receive stable, predictable income every month-no market surprises

    Flexibility
    Flexibility

    Customize when your income starts, how much you receive, and how long it lasts

    Tax Efficiency
    Tax Efficiency

    Minimize your tax burden and keep more of your hard-earned savings

    Legacy Protection
    Legacy Protection

    Ensure your spouse or loved ones continue to receive income after you're gone

    Who Benefits Most?

    • Canadians 50+ planning for or entering retirement
    • Self-employed professionals and business owners without a company pension
    • Retirees looking to supplement CPP, OAS, and RRSPs
    • Anyone concerned about outliving their savings
    • Women and couples seeking income continuity and spousal protection
    • Low-risk investors seeking predictable cash flow

    How Does it Work?

    Personalized Consultation
    Personalized Consultation

    Our advisors help you clarify your retirement goals and income needs

    Custom Plan Design
    Custom Plan Design

    We structure your plan using annuities, RRIFs, guaranteed funds, or segregated fund options

    Income Optimization
    Income Optimization

    Strategies to maximize government benefits, minimize taxes, and protect against inflation

    Ongoing Support
    Ongoing Support

    Adjust your plan as your needs change, with expert guidance every step of the way

    Additional Solutions We Offer

    • Life Annuities: Guaranteed income for life, no matter how long you live
    • RRIF to Income Plan Transfers: Convert your RRSP or RRIF into a structured, predictable payout
    • Guaranteed Income Funds: Combine investment growth with protected base income
    • Segregated Fund Payouts: Capital protection plus steady income
    • Legacy & Survivor Benefits: Options for joint-life payouts, guaranteed periods, or refund-of-premium features

    FREQUENTLY ASKED QUESTIONS

    Frequently Asked Questions about
    Insurance + Retiremnet Plan

    What is a retirement income plan?
    It's a strategy that turns your retirement savings into regular, reliable monthly income using insurance and investment products.
    Is the income taxable?
    Most monthly payouts are taxable, but our advisors help structure withdrawals to minimize your tax bill.
    Can I protect my spouse or family?
    Yes! Choose survivor benefits or joint-life options so your loved ones continue to receive income.
    How do I get started?
    Get a free quote or schedule a call with a licensed Punjab Insurance advisor for personalized help.
    View all Faq's

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    Retire with confidence and enjoy guaranteed monthly income for life. Turn your savings into a steady, tax-efficient income stream while protecting your legacy with a personalized Insurance + Retirement Plan from Punjab Insurance.
    Disclaimer: Information on this page is for general guidance only and not a substitute for professional advice. Please consult a licensed Punjab Insurance advisor for personalized recommendations.