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Lucia Insurance Services

 

Lucia Capital Group offers insurance solutions through our affiliated firm, Lucia Insurance Services. Through our affiliation with Lucia Insurance Services, we are able to offer policies and products from highly rated insurance providers across the spectrum of life insurance, long-term care insurance, disability insurance, and annuities.

Lucia Insurance Services team members work closely with Lucia Capital Group financial advisors to identify and implement strategies for our clients through the following:

  • Analyzing and evaluating life insurance, disability insurance, and long-term care insurance needs
  • Reviewing and comparing fixed annuity and immediate annuity rates
  • Evaluating any existing policies
  • Designing sophisticated estate planning and/or buy-sell strategies using life insurance


Annuities are long-term vehicles designed for retirement. Principal and interest guarantees are based on the claims-paying ability of the issuer subject to their terms and conditions. Keep in mind that if you take your money out early you may have to pay surrender charges and, if you’re younger than 59½, an additional 10% tax penalty. Naturally, if you take an early withdrawal, your death benefit and the cash value of the annuity contract will be reduced.

Equity-indexed annuities don’t directly participate in stock or equity investments. Withdrawals or surrenders before the expiration of an indexed period will result in no index participation for those amounts. Failure to maintain the contract until it matures may result in no participation in the equity index, and actual returns may be less than the return of the linked index—possibly even negative if you surrender any of the contract before the expiration of any applicable surrender charge period.

 


Lucia Insurance Services is licensed to offer insurance products (life, disability, long-term care, and annuities) in the following states: Arizona, California, Florida, Maryland, Minnesota, New Jersey, Nevada, Oregon, Pennsylvania, and Utah.

Lucia Insurance Services is under common ownership with Lucia Securities.

All guarantees are based on the claims-paying ability of the issuer, subject to their terms and conditions.

The S&P 500 Index is comprised of 500 of the largest companies in leading industries of the U.S. economy. An investment may not be made directly into an index.

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