Financial Services

Larrow Insurance has a wide array of options to help you save for your retirement or other financial goals. With our extensive knowledge and expertise, we can help you in many different aspects of saving for your future. With Larrow Insurance, you can trust that we’ll always put your interests first and make sure you understand all of your available options.

Ready to review your retirement options? Schedule an appointment today to have one of our financial professionals review all of your options.

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Areas of Expertise

An annuity is a contract between an investor and a life insurance company that allows the investor to put away money for retirement. Annuities can provide a lump sum payment or periodic payments at specified intervals, usually after retirement.

There are a few different types of annuities that are available depending on the level of risk an investor is willing to take, and they can be qualified or non-qualified for certain tax benefits. 

Annuities may be issued in connection with qualified retirement plans or arrangements (qualified annuities) or issued as a non-qualified annuity.  All annuities receive tax deferral on the earnings. 

Purchasing an annuity as an investment vehicle for a qualified retirement plan or arrangement does not provide any additional tax advantage beyond that already available through the qualified plan or arrangement. 

What would you do if your income stopped due to injury or illness? Disability insurance offers a way to protect you from these types of unexpected circumstances. Educators in Rhode Island do not pay into temporary disability insurance (TDI), and therefore are extremely vulnerable. Our RI teachers who are members of the NEARI union can take advantage of a group plan, which offers reduced rates and has a guaranteed issue option. Our short-term disability policy can offer benefits of six months or one year and up to 60% of your income.

If you’re a teacher and retirement is years or even decades away, or if it’s right around the corner, you will benefit from having a better understanding of how your teachers’ retirement program will contribute to your income after retirement. Our team is well versed in both the Connecticut Teachers’ Retirement System (CTRS) and the Employees Retirement System of Rhode Island (ERSRI) and we offer free educational workshops on the retirement system in our local schools. We are also available to meet with educators individually to answer specific questions and estimate their benefits.

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CONNECTICUT
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898 North Main Street
Killingly, CT 06239
(860) 792-0454

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Registered Representative of and securities distributed by Horace Mann Investors, Inc. (HMII), member FINRA/SIPC. Insurance products issued by Horace Mann Life Insurance Company (HMLIC), Springfield, IL. HMLIC and HMII are affiliated companies and wholly owned subsidiaries of Horace Mann Educators Corporation.