The Clowe Agency

Committed To Helping You And Your Loved Ones

When It Matters Most

Life insurance provides crucial financial security in times of need, ensuring that you and your loved ones are protected and cared for when it matters most.

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Why should you work with The Clowe Agency

Our Trusted Advisors have access to a broad array of insurance companies and products, and can help you with a variety of insurance needs, including Final Expense, Mortgage Protection, Retirement Planning, and more.

Our Trusted Advisors undergo periodic and rigorous Continuing Education training, and are fully recognized by each state as a NIPR™️ Trusted Advisor

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Expertise

Our Trusted Advisors are trained professionals who have a deep understanding of the different types of life insurance policies available and can help you choose the one that best meets your needs and goals.

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Convenience

Our Trusted Advisors are a more convenient choice than trying to research and compare policies all on your own. We're here to do the legwork for you, comparing quotes from multiple insurance companies and helping you understand the terms and conditions of each policy.

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Committed to Service

Our Trusted Advisors provide personalized service and support to help you choose the right policy for your unique situation. We take the time to understand your financial needs and goals, and work with you to find a policy that fits your budget and provides the protection you need.

Services We Offer

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Life Insurance

Having your own life insurance policy helps to provide continued coverage for your loved ones in the event of your death...even if you change your employer.

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Final Expense Insurance

Final expense insurance is a form of life insurance policy designed to cover your final expenses, such as funeral, burial, and remaining debts...the way you and your loved ones wish.

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Term Life Insurance

A type of life insurance policy that provides coverage for a specified, or "term" of time. The insurance company pays out a death benefit if the policyholder dies during the term.

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Mortgage Protection

Mortgage protection solutions provide peace of mind & flexibility to customize your own policy. We will guide you to the ways to protect your home, and your loved ones.

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Index Universal Life

A type of permanent life insurance, that grows cash value in addition to a death benefit. An Index Universal Life policy also has the potential for greater cash value return.

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Retirement Planning

Retirement planning is a multi-step process that evolves over time. Using our Simple Retirement Solutions Agents™️, we have expertise at your fingertips.

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The Clowe Agency

Life Insurance

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When you’re thinking about your family’s finances, ensuring that your income is protected now and in the future is vital. Life insurance can help you do that. No medical exams or visits required. Call The Clowe Agency at (505) 392-5161, or choose a spot that works for you...

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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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