Protect Your Family's Future

At Winsor Trust & Financial, we’re committed to helping families build lasting financial security—now and for generations to come. Life insurance is a key part of that plan, but it’s not the only tool we use. Alongside whole life, term life, and universal life insurance, we also offer annuities to help you create guaranteed income for retirement and protect your wealth over time.

Here's how we combine these powerful financial products to secure your family's future:

1. Whole Life Insurance – Lifetime Protection & Cash Value

What it is: Permanent coverage that lasts your entire life and builds guaranteed cash value.

How it helps: Provides your family with a guaranteed death benefit, plus a growing savings component you can use during your lifetime—for emergencies, loans, or retirement income.

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2. Term Life Insurance – Affordable Coverage for Key Years

What it is: A policy that covers you for a fixed term (10, 20, or 30 years) with low premiums.

How it helps: Protects your loved ones during your most financially vulnerable years—paying off the mortgage, raising children, or replacing lost income.

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3. Indexed Universal Life (IUL) – Growth with Protection

What it is: A flexible permanent policy that builds cash value based on stock market index performance (without risking market losses).

How it helps: Offers death benefit protection and the opportunity to grow tax-deferred savings you can tap into later for retirement, college funding, or wealth building.

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4. Universal Life (UL) – Flexible Lifetime Coverage

What it is: A permanent policy with adjustable premiums and death benefits that accumulates cash value over time.

How it helps: Gives you flexibility to adapt your coverage as life changes—while still offering long-term financial protection for your family.

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5. Annuities – Guaranteed Income for Life

What it is: A contract that turns your savings into guaranteed income—either right away or in the future.

Why we recommend it: Annuities are one of the few tools that can guarantee you’ll never outlive your income. They’re ideal for people looking to protect their retirement income from market volatility and economic uncertainty.

How it helps families:

    •    Deferred annuities let your money grow tax-deferred until you’re ready to retire.

    •    Immediate annuities convert a lump sum into a monthly paycheck for life.

    •    Indexed annuities offer market-linked growth potential with downside protection.

With the right annuity, your retirement income can be just as dependable as your paycheck—without the worry of running out of money in your later years.

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A Custom Plan, Built Around You

We believe every family deserves a financial plan that works as hard as they do. Whether you’re focused on protection, growth, retirement income, or all of the above, Winsor Trust & Financial will create a customized strategy to meet your needs—using the best mix of insurance and annuity products available.

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Let’s Build Your Financial Legacy Together

Start with a free consultation, and let’s create a plan that protects your family, grows your wealth, and gives you peace of mind—today and tomorrow.