The Clowe Agency

Committed To Helping Your Loved Ones

When It Matters Most

Welcome to The Clowe Agency

At The Clowe Agency, we pride ourselves on being more than just a life insurance provider. We are your partners in crafting a secure and prosperous future for you and your loved ones. With a deep commitment to personalized service and a client-first approach, we strive to ensure that every individual and family we work with feels confident and protected.

At The Clowe Agency, we pride ourselves on being more than just a life insurance provider. We are your partners in crafting a secure and prosperous future for you and your loved ones. With a deep commitment to personalized service and a client-first approach, we strive to ensure that every individual and family we work with feels confident and protected.

Our Mission

To provide comprehensive life insurance solutions that offer you and your loved ones peace of mind and financial security.

We understand that every client’s situation is unique, and we take the time to listen, understand, and design policies that fit your specific needs and goals. Our goal is to help you and you loved ones navigate life’s uncertainties with the assurance that your future is well protected.

Licenses & Credentials

Kevin Clowe

NIPR Trusted Advisor

I began my life insurance career in 2014 after being employed by a global manufacturer for many years. I moved into the life insurance industry after my best friend of 40+ years passed away, and his family didn't have any life insurance protection. It was devastating. Most people don't think about the terrible financial consequences that can happen with the death or disability of a loved one. I committed to myself I would not let that happen again to any other family.

I am a licensed life insurance broker...representing over 30 top life insurance carriers. My National Producer Number is #8139145. I am committed to helping you and your loved ones when it matters most.

Thank you for your consideration.

National Producer Number

#8139145

My Active State Licenses

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golden piggy bank

Unlocking Financial Security: The Benefits of Fixed Index Annuities (FIAs)

April 21, 20243 min read

In the realm of financial planning, navigating the plethora of investment options can feel akin to exploring a labyrinth. Amidst this complexity, Fixed Index Annuities (FIAs) stand out as a beacon of financial security and stability. Offering a unique blend of growth potential and downside protection, FIAs have garnered attention as a valuable tool in retirement planning. Let’s delve into the benefits that make FIAs an attractive option for those seeking to fortify their financial future.

protect money
  1. Principal Protection: One of the primary draws of FIAs is their ability to safeguard your initial investment. Unlike other market-linked investments, FIAs provide a floor against market downturns, ensuring that your principal amount remains intact. This feature offers a sense of reassurance, especially during turbulent economic times, allowing investors to weather market volatility without sacrificing their hard-earned savings.

  2. Potential for Growth: While FIAs offer protection against market downturns, they also present an opportunity for growth. These annuities are tied to the performance of an underlying index, such as the S&P 500, allowing investors to participate in market gains up to a certain limit. This structured approach enables individuals to capitalize on market upswings while mitigating the risk of significant losses during downturns, striking a balance between growth potential and capital preservation.

  3. Tax-Deferred Growth: Another advantage of FIAs lies in their tax treatment. Similar to other

    gold bars going up

    annuities, FIAs offer tax-deferred growth, meaning that earnings within the annuity accumulate on a tax-deferred basis until withdrawal. This feature can be particularly advantageous for individuals in higher tax brackets, as it allows for potential growth of funds without immediate tax implications, ultimately maximizing the power of compounding over time.

    money grows
  4. Lifetime Income Stream: For retirees seeking a reliable source of income during their golden years, FIAs provide an attractive option. Through the inclusion of optional riders, such as guaranteed lifetime withdrawal benefits (GLWBs), FIAs offer the promise of a steady stream of income that is immune to market fluctuations. This feature grants retirees peace of mind, knowing that they have a dependable source of income to support their lifestyle throughout retirement.

  5. Customizable Features: FIAs come with a variety of customizable features and options to suit individual financial goals and preferences. From choosing the length of the surrender period to selecting optional riders for enhanced benefits, FIAs offer flexibility and versatility in tailoring the annuity to meet specific needs. This level of customization empowers investors to design a financial strategy that aligns with their unique circumstances and objectives.

In conclusion, Fixed Index Annuities (FIAs) emerge as a compelling option for individuals seeking to fortify their financial future. With their unique blend of principal protection, growth potential, tax advantages, and customizable features, FIAs offer a pathway to financial security and peace of mind. Whether you're planning for retirement or seeking to diversify your investment portfolio, FIAs warrant consideration as a valuable tool in your financial toolkit. As with any financial decision, it's essential to consult with a knowledgeable financial advisor to determine whether FIAs align with your overall financial strategy and goals.

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The Clowe Agency

6700 Cantata St. NW #205

Albuquerque NM 87114

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KEVIN CLOWE

Kevin Clowe resides in Albuquerque, NM and is President of The Clowe Agency. Kevin has been a Life & Heallth agent since 2014, after being with a global manufacturer for many years. If not helping families with their life insurance and retirement needs, Kevin can be found tending for his 30+ tropical fish, or his beloved bearded dragon Paolo.

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6700 Cantata St NW, Albuquerque, NM 87114, USA

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