Protect What You've Built. Create Income You Can Count On.
Financial security means knowing you're protected and your income is reliable. At Sears Group, we help you build a strategy that combines thoughtful insurance coverage with guaranteed income options—so you and your family can face the future with confidence.
Insurance and annuities serve two related but distinct purposes: protection and income. At Sears Group, we believe the two go hand in hand. We help you identify risks to your family and finances, then build a strategy that provides both security and stability—whether that's life insurance, long-term care coverage, or guaranteed retirement income through annuities. While especially important during the Income & Preservation phase, these services play a role at every stage of your financial journey.
What Insurance & Annuities Include
From protection planning to guaranteed income, here's what this service covers.
Life Insurance
Protect your family's financial future if the unexpected happens. We help find the right coverage for your situation.
Long-Term Care Insurance
Plan for extended care costs without depleting your savings or burdening your family.
Disability Coverage
Protect your income if illness or injury keeps you from working—an essential but often overlooked protection.
Fixed & Indexed Annuities
Earn a guaranteed or index-linked return with built-in downside protection from market losses.
Income Annuities
Convert savings into guaranteed lifetime income. The closest thing to a personal pension available today.
Variable Annuities
Participate in market growth within a tax-deferred structure, with optional income riders for guaranteed income.
Annuities offered and issued by third party companies not affiliated with Osaic Wealth. Each company is solely responsible for the financial obligations accruing under the products it issues. Product guarantees are backed by the financial strength and claims-paying ability of the issuing company.
How We Tailor Insurance & Annuities to You
At Sears Group, we never push products—we help you find the right fit. Whether you're protecting a growing family or building a retirement income floor, we'll help you make confident decisions. We work closely with you to:
Assess your protection needs and identify gaps in coverage that could put your family or finances at risk.
Evaluate your income requirements and determine how much guaranteed income would provide peace of mind in retirement.
Compare insurance and annuity options across carriers to find the right fit for your budget, goals, and risk tolerance.
Determine the right annuity type based on whether your priority is growth, income, protection, or a combination of all three.
Coordinate protection with your plan so your insurance and annuities work alongside your investments, retirement accounts, and estate strategy.
Revisit your strategy as life changes—marriage, retirement, loss of a spouse, or a health diagnosis can all trigger the need for a coverage review.
When to Consider Insurance & Annuities
If any of these resonate, an annuity or insurance may be worth exploring.
"If something happened to me, would my family be financially secure?"
"Am I worried about outliving my savings?"
"Could I afford long-term care without draining my assets?"
"Do I have the right amount of life insurance—or too much?"
"Would guaranteed monthly income help me sleep better at night?"
How Insurance & Annuities Fit Into Your Financial Journey
Your protection and income needs evolve as your life changes. What made sense at 35 may not be what you need at 55—or 70.
Accumulation Phase
Protect your income and family while you're building wealth. Life insurance and disability coverage are often essential during this phase.
Income & Preservation Phase
Create a "personal pension" with annuities that provide guaranteed income for life. Plan for healthcare costs and long-term care.
Legacy Planning Phase
Use life insurance strategically for wealth transfer or charitable giving. Certain annuities may be available to provide lifetime income to beneficiaries
Also consider pairing
Insurance & Annuities with:
Investing to balance guaranteed income with growth potential
Financial Planning to coordinate Social Security and retirement accounts
Estate Planning Planning to align beneficiaries and protect your legacy
Local Expertise with Deep Community Roots
We specialize in serving the unique financial needs of professionals and retirees across the east coast. From navigating TSP and military pensions to leveraging Florida’s tax advantages, we understand the local landscape and tailor our strategies accordingly.
Relationship-Driven, Client-First Approach
You’re more than an account number. At Sears Group, we prioritize real relationships—taking the time to understand your values, life story, and goals. We provide guidance that reflects your family dynamics, lifestyle, and long-term vision—not just market trends.
Clarity in a Complex Financial World
Our clients are proactive, informed, and value simplicity—but they’re often overwhelmed by conflicting advice or too many moving parts. We bring order to the chaos with structured, behaviorally sound planning that turns confusion into clarity.
Independent. Fiduciary. Focused on You.
As an independent fiduciary, we’re legally and ethically obligated to act in your best interest—always. You can trust that our recommendations are unbiased, transparent, and aligned with your financial wellbeing, not product sales.
A Partner You Can Trust—At Every Phase
At Sears Group, we don't just manage money—we build lasting relationships grounded in trust, clarity, and purpose. Our clients in St. Petersburg and the greater Tampa Bay area, Virginia Beach and surrounding areas, and nationwide choose us because we take the time to understand their unique situation and provide guidance that reflects their values, not just market trends.
Not Sure If You Have the Right Coverage—or Enough Guaranteed Income?
A quick conversation can help you identify gaps in your protection strategy and explore whether annuities make sense for your retirement. No pressure, no sales pitch—just honest guidance.
