About Ryan Hart, your friendly insurance agent

Hello! I’m Ryan Hart, a licensed insurance agent.

I help couples protect their homes in retirement with life insurance and annuities.

I’m a former home designer. I’ve helped many clients design their dream homes.

So, I know how much your house means to you.

A few years ago one of my clients, a married couple in their 60’s, finished building their dream home. It was beautiful.

The house was where they planned to spend their golden years.

Within a year the husband passed away.

He was a successful businessman and the primary breadwinner.

The wife had no way to pay the mortgage alone.

They had spent all of their savings building the house and the market was crashing.

So the bank was going to take her home.

Luckily the husband had a life insurance policy.

The death benefit was large enough to pay off the mortgage completely.

Thanks to life insurance Sheryl was able to stay in the house mortgage-free.

This story turned out okay. But not every story has a happy ending.

I don’t want to see anyone lose their home in retirement.

Social security cuts and rising inflation can make it hard to pay a mortgage on a fixed income.

That’s why I love life insurance and annuities.

They can help you keep your home if things don’t go as planned. It gives you peace of mind.

Here’s the bottom line:

Planning for retirement is like building a house.

You need a strong foundation and a thoughtful design.

Insurance is like the walls and roof that keep you safe. It helps protect you.

But every great house (and retirement) starts with a solid plan.

That’s why every morning — yes, even before my coffee kicks in — I send out a short email newsletter about planning for retirement.

I cover the latest 401k, Medicare, and Social Security news, sprinkled with a few retirement tips.

So if you are getting ready for retirement, this is for you.