John Hancock Travel Insurance: A Retiree’s Guide (and How Vitality Life Insurance Fits In)

Key Takeaways

• John Hancock offers three main travel insurance tiers (Bronze, Silver, Gold), each with different medical and trip protection limits tailored to various trip costs and destinations.

• John Hancock is financially strong, carrying an A (Excellent) rating from A.M. Best through its underwriting partner, and is widely used by U.S. travelers including retirees taking cruises and international trips.

• Medicare usually does not cover medical care outside the U.S., making John Hancock’s emergency medical coverage and evacuation coverage especially important for retirees.

• The John Hancock Vitality life insurance program is a separate product that rewards healthy habits with premium savings, discounts, and other perks.

• Revolutionary Wealth positions itself as a go-to resource for retirees comparing and purchasing John Hancock Vitality life insurance policies, while also helping them understand how travel insurance fits into a broader retirement plan.

Overview of John Hancock Travel Insurance for Retirees

John Hancock has offered insurance since the 19th century and now provides modern travel coverage tailored to today’s retirees who take cruises, international trips, and extended stays abroad. The company’s travel plans are built specifically to address the concerns older travelers face when venturing far from home.

John Hancock Travel Insurance is the travel insurance arm of John Hancock Insurance Agency, Inc., a trusted U.S. insurance brand founded in 1862. In plain language, travel insurance protects your pre paid trip costs, baggage, and covers unexpected medical emergencies while you’re away from home. If your cruise gets canceled due to a family member’s illness, or you break your hip on a walking tour in Portugal, comprehensive travel insurance helps cover what would otherwise come out of your pocket.

John Hancock travel insurance is distributed by John Hancock Insurance Agency, Inc. (also known as Hancock Insurance Agency Inc) and underwritten by Starr Indemnity & Liability Company, a subsidiary of Starr Insurance Companies with decades of industry experience. This structure means you’re working with established names in both distribution and claims fulfillment.

The travel insurance plans are built around three tiers—Bronze, Silver, and Gold—so retirees can choose coverage that matches their trip cost, destination, and health needs. John Hancock offers three core comprehensive travel insurance plans: Bronze, Silver, and Gold. John Hancock's policies provide a range of cost, benefits, and coverage options, allowing travelers to select the plan that best fits their needs and budget. Each tier offers progressively higher limits for medical expenses, evacuation, trip cancellation, and other protections. John Hancock travel insurance plans can be customized with optional coverage benefits to meet individual needs.

This article is written with retirees in mind, explaining how travel coverage works alongside Medicare, Medigap, and retirement income. Later sections will also cover John Hancock’s Vitality life insurance program and how Revolutionary Wealth can help coordinate both types of protection.

How Trustworthy Is John Hancock Travel Insurance?

John Hancock has a long history in American insurance, founded in 1862 as part of the historic John Hancock Financial. Today, the company operates under Manulife Financial Corporation, one of the world’s larger financial services groups with over $1.4 trillion in assets under management. This corporate backing provides brand stability and regulatory oversight that retirees can rely on.

When evaluating insurance companies, financial strength ratings matter because they indicate the company’s ability to pay claims even under adverse conditions. Starr Indemnity, which underwrites John Hancock’s policies, carries an A (Excellent) financial strength rating from A.M. Best and an A+ (Strong) rating from Standard & Poor’s. For retirees, this means confidence that claims for costly events like medical evacuations will actually be paid.

The Better Business Bureau provides another perspective on company reliability, reflecting customer service and complaint resolution. John Hancock Insurance Agency maintains strong marks with the business bureau, suggesting responsive handling of policyholder concerns.

John Hancock travel insurance policies include the common protections retirees care about most:

• Emergency medical expenses while abroad

• Medical evacuation coverage back to the U.S.

• Trip cancellation due to illness or family emergencies

• Travel delay coverage for flights and cruises

• Baggage coverage and baggage delay reimbursement

While no insurer is perfect, John Hancock’s long track record, brand recognition, and regulatory oversight make it a trusted option for seniors planning major trips to international destinations.

John Hancock Travel Insurance at a Glance

John Hancock’s travel plans are especially attractive for older travelers because of relatively high medical and evacuation limits and the availability of a pre existing condition waiver. These features directly address the health-related concerns that make retirees hesitant about booking expensive trips.

Here’s a quick overview of what the plans typically offer:

Emergency Medical Coverage Ranges:

• Bronze: Around $50,000

• Silver: Around $100,000

• Gold: Up to $250,000

Emergency Medical Evacuation:

• Bronze: $250,000

• Silver: $500,000

• Gold: Up to $1,000,000

Primary vs. Secondary Coverage:Most John Hancock plans offer primary medical coverage, meaning they pay first without requiring you to exhaust Medicare or Medigap before the travel policy kicks in.

Many John Hancock plans offer a waiver for pre existing medical conditions if you buy within a set window (usually 14 days) after the initial trip payment and are medically able to travel at purchase. The typical lookback period is 60 days for stable conditions, so chronic issues like hypertension or diabetes won’t automatically bar coverage if you’ve been managing them without changes.

Premiums tend to be somewhat higher than the industry average—often in the low-to-mid $300s for comprehensive coverage on trips in the $5,000-$10,000 range. This is due to higher medical limits and robust trip protection features.

Key structural features retirees should know:

Which John Hancock Travel Insurance Plan Is Right for a Retiree?

All three tiers—Bronze, Silver, and Gold—cover trip cancellation, trip interruption, emergency medical care, medical evacuation, baggage, and delays. The difference lies in coverage amounts and the specific limits for each protection.

Retirees should consider three key factors when choosing a tier:

1. Trip cost:A $3,000 domestic tour has different insurance needs than a $15,000 world cruise

2. Destination:U.S. travel vs. overseas vs. remote areas with limited medical care

3. Health profile:Existing conditions, mobility concerns, and personal risk tolerance

Cancel For Any Reason (CFAR) coverage may be available as an optional add-on across tiers in many states. This optional upgrades feature reimburses around 75% of insured non refundable trip costs if you cancel for reasons not covered by the standard policy, provided you purchase within 14 days of your initial deposit and meet other timing conditions.

Retirees often find the Silver or Gold tier most appropriate for international trips or cruises, given higher medical and evacuation limits and better trip delay protections. Bronze can be sufficient for inexpensive domestic getaways where medical care is more accessible.

Revolutionary Wealth can help retirees compare these tiers in the context of their broader retirement budget and other insurance like Medigap or group retiree plans, ensuring you avoid over- or under-insuring by building apersonalized retirement and wealth management strategy.

Bronze Plan: Basic Protection for Simple Trips

The Bronze plan is John Hancock’s most economical option, often suitable for shorter, lower-cost, or primarily domestic trips for retirees who want core protections without high premiums.

Typical Bronze benefits include:

• Trip cancellation:100% of trip cost up to around $10,000

• Trip interruption:125% of trip cost

• Emergency medical expenses:$50,000

• Emergency medical evacuation:$250,000

• Baggage coverage:Around $750 total ($250 per item)

• Trip delay:Coverage after approximately 6 hours

Bronze usually includes primary medical coverage and a pre existing condition waiver if purchased within about 14 days of the initial trip deposit. For retirees with chronic but stable conditions like diabetes or heart disease, this waiver can be essential for qualifying for coverage.

Common covered reasons especially relevant to seniors include:

• Unexpected illness or injury of the traveler or a close family member

• Hospitalization before departure

• Death in the family

• Jury duty

• Home damage from fire or natural disaster

• Severe weather or inclement weather affecting transportation

• Airport closures or strikes

Where Bronze may fall short for retirees: the lower sickness medical expense limits may not be ideal for extended overseas hospital stays, and trip delay and missed connection benefits are more modest compared to Silver and Gold tiers.

Silver Plan: Balanced Coverage for Cruises and International Travel

The John Hancock Silver Plan represents the “sweet spot” for many retirees—balancing price and protection for popular trips like Caribbean cruises, European tours, and escorted group travel.

Core Silver benefits include:

• Trip cancellation benefit:Up to around $20,000 of trip cost

• Trip interruption:150% of trip cost

• Emergency medical coverage:$100,000

• Medical evacuation coverage:$500,000

• Baggage coverage:Around $1,000

• Trip delay coverage:Benefits kick in after about three hours

• Missed connection:Up to $750

• Baggage delay:Up to $500 after 12 hours of being delayed en route

These features are particularly helpful for complex itineraries and cruise departures where a missed flight can mean watching your ship leave port without you.

The pre existing conditions waiver remains critical for retirees at this tier. It typically requires:

1. Buying the policy within 14 days of first trip payment

2. Insuring the full trip cost

3. Being medically able to travel at purchase

Retirees with moderate health concerns or who are traveling to destinations with higher medical costs (Europe, parts of Asia) often find Silver a prudent minimum level of coverage. The assistance services included can help with locating medical care and finding an english speaking doctor abroad.

Gold Plan: Comprehensive Protection for Big Retirement Trips

The Gold Plan is John Hancock’s most comprehensive plan offering, well-suited for “bucket list” trips—world cruises, multi-country tours, long international stays, or expensive escorted vacations where the stakes are highest.

Typical Gold-level limits include:

• Trip cancellation coverage:Up to $100,000

• Trip interruption:150-200% of trip cost (up to $60,000)

• Emergency medical expenses:Around $250,000

• Emergency medical evacuation:$1,000,000

• Repatriation of remains:Matches evacuation limits

The Gold Plan offers stronger trip delay benefits (up to $1,000 after a three hours delay), higher personal effects and baggage coverage ($2,500), and better missed connection protections for retirees with tight or multi-leg itineraries.

Additional Gold features may include:

• Higher accidental death and dismemberment limits (up to $500,000 air-only)

• Optional rental car collision coverage (up to $50,000)

• Enhanced legal services coverage

• Terrorist attack coverage

While Gold is more expensive, its higher medical and evacuation limits can be an important safeguard for retirees traveling to areas with costly private hospitals or limited local care. Air evacuation from a remote cruise destination can easily exceed $100,000, making the higher limits a worthwhile investment for serious travelers.

Customer Experience and Claims: What Retirees Should Expect

John Hancock’s travel insurance receives generally positive customer satisfaction scores, with particularly strong marks for pre-trip support, policy selection guidance, and 24/7 assistance services.

Ratings from aggregators like Squaremouth place John Hancock in the moderate-to-high satisfaction range—around 4.1-4.2 out of 5 from over 1,400 reviews. Many retirees appreciate the clarity of benefits and ease of purchase, especially the straightforward explanation of what’s covered for unexpected events.

Honestly, like many insurers, some customers report slower claims processing and paperwork-heavy documentation requirements, especially for complex medical or interruption claims. Processing times for medical cases can average 30-45 days.

Practical guidance for retirees to streamline claims:

• Keep all receipts from medical care, meals during delays, and replacement items

• Obtain doctor’s notes documenting any illness or injury

• File a police report for theft of personal effects

• Save airline delay notices and correspondence

• Document additional transportation costs with receipts

• Get written verification of covered reasons for cancellation

Revolutionary Wealth can help retirees think through not only which plan selected fits their needs, but also how to document trip and medical information ahead of time to make any potential claim easier to support, drawing on guidance from theirspecialized retirement planning team.

Why Retirees Especially Need Travel Medical and Evacuation Coverage

Health risks and the likelihood of needing medical care while traveling typically increase with age. A 70-year-old faces different risks than a 40-year-old, and the financial consequences of a health emergency abroad can be severe.

Medicare by itself generally does not cover medical care outside the United States. Medicare Parts A and B exclude non-emergency foreign care except in rare cases near U.S. or Canadian borders. Even Medigap plans that add some overseas coverage often have strict limits—typically 80% reimbursement after a $250 deductible with lifetime caps around $50,000.

Consider these scenarios where John Hancock’s emergency medical and evacuation benefits matter:

• Heart attack on a Mediterranean cruise:Emergency stabilization in a Greek hospital, then air ambulance transport to a major medical center or back to the U.S.

• Fall and fracture on a walking tour in Portugal:Surgery and rehabilitation abroad, potentially requiring evacuation home with medical escort

• Sudden illness on a river cruise through remote areas:Limited local facilities requiring helicopter extraction to a city hospital

The additional expenses for evacuation alone can cost $50,000-$100,000 or more for air ambulance service back to the U.S. This is a risk many retirees underestimate when budgeting for travel plans. John Hancock’s evacuation limits of $250,000 to $1,000,000 provide meaningful protection against these catastrophic costs.

Compare John Hancock’s limits against your existing Medicare, Medigap, or retiree health plan. Use travel insurance to fill gaps rather than paying tens of thousands out of pocket.

How John Hancock Travel Insurance Works With Other Coverage You May Have

Many retirees already have a patchwork of coverage—Medicare, Medigap, employer retiree plans, credit card perks, homeowner’s insurance—that can be confusing to coordinate.

John Hancock’s travel medical coverage is typically primary under these plans. This means it pays first, reducing up-front out-of-pocket costs and claims hassles compared with secondary coverage that only kicks in after you’ve exhausted other resources.

Why credit card protection is often insufficient:

• Limited or no trip cancellation coverage beyond narrow circumstances

• Low medical limits (often $0 for actual treatment)

• Many exclusions for pre existing conditions or older travelers

• May only cover trips booked entirely on that card

• Departure date restrictions and enrollment requirements

Homeowner’s policies may protect personal belongings at home, but generally do not reimburse pre paid trip costs or out-of-country medical bills. Baggage coverage under homeowner’s insurance often has significant deductibles and doesn’t address travel-specific losses.

Bring your current coverage details when speaking with Revolutionary Wealth or another advisor. Your John Hancock travel plan selection should fit neatly with existing protections, avoiding duplication while filling genuine gaps, and you can also usefinancial calculators and planning toolsto better understand how different choices affect your budget.

Introducing John Hancock Vitality Life Insurance

While travel coverage protects individual trips, life insurance and the Vitality program are about long-term financial security and health incentives that extend throughout retirement.

John Hancock Vitality is a life insurance program that rewards healthy behaviors—walking, preventive screenings, healthy eating—with potential premium savings, discounts, and other rewards. Rather than a static policy where premiums only go up over time, Vitality creates a dynamic relationship between your health habits and your insurance costs.

Vitality can be attached to certain John Hancock life insurance policies, both term and permanent. This makes it especially attractive to retirees who remain active and engaged in their health, offering tangible financial benefits for maintaining healthy routines.

The program tracks healthy activities through methods such as:

• Health checkups and screenings

• Activity trackers (Fitbit, Apple Watch, Garmin)

• Wellness questionnaires

• Exercise logging

These good habits become quantifiable “Vitality points” that translate into real savings and rewards.

Revolutionary Wealth serves as a go-to resource for retirees who want someone to explain how Vitality works, what policies are available, and how it fits with their retirement income and estate planning, supported by theirpersonalized financial planning services.

How the John Hancock Vitality Program Works in Practice

The typical Vitality experience begins with enrolling in a qualifying John Hancock life insurance policy, activating the Vitality program, then earning rewards by logging healthy activities year after year.

Key program components include:

• Health reviews:Annual checkups credited toward points

• Preventive screenings:Mammograms, colonoscopies, blood pressure checks all contribute

• Daily activity tracking:Steps and exercise minutes logged through compatible devices or apps

• Wellness surveys:Health assessments that help you understand your status

Vitality points translate into different status levels: Bronze, Silver, Gold, and Platinum. Higher statuses earn greater premium savings and more valuable rewards. At Platinum status, policyholders may see up to 35-45% lifetime premium reductions compared to standard non-participating plans.

Concrete examples of rewards:

Key Benefits of John Hancock Vitality for Retirees

Vitality is designed to support health and financial well-being simultaneously, which is especially meaningful in retirement when health risks and fixed-income concerns converge.

Financial benefits:

• Potential lower premiums over time for staying active and engaged in health

• Ability to retain needed life insurance coverage longer into retirement without costs becoming unmanageable

• For a 68-year-old buying a $500,000 20-year term policy, base premiums might drop from $3,000/year to $1,800-$2,100 through Platinum status

• Savings that help offset other retirement expenses, including travel insurance premiums

Health benefits:

• Structured accountability system that nudges you to walk more

• Incentive to keep up with preventive exams Medicare already covers

• Tools to help manage chronic conditions through logged health data

• Encouragement to maintain social activity and fitness routines

Psychological and lifestyle benefits:

• Clear health goals create purpose in daily routine

• Tangible rewards make healthy choices feel more worthwhile

• Connection between fitness and travel—staying fit enough to enjoy the trips you insure with John Hancock’s policies

• Gamified tracking through apps adds engagement

Revolutionary Wealth can help retirees see how Vitality’s reward structure and health incentives fit into their broader retirement plan—balancing life insurance needs, travel goals, and longevity risk, and may supplement that guidance witheducational videos on retirement and investing.

Why Revolutionary Wealth is a Go-To Resource for John Hancock Vitality Life Insurance

Revolutionary Wealth focuses on helping retirees coordinate insurance (including John Hancock Vitality life policies), investments, and retirement income into a coherent strategy. Rather than treating each product in isolation, the approach considers how all pieces work together.

How Revolutionary Wealth differentiates itself:

• Deep familiarity with John Hancock Vitality product features

• Ability to walk retirees step-by-step through enrollment and ongoing program use

• Emphasis on education rather than high-pressure sales

• Understanding of how Vitality integrates with Medicare, Medigap, and retirement income streams

Revolutionary Wealth helps retirees evaluate whether a John Hancock Vitality policy is appropriate given their age, health, existing coverage, and estate-planning goals. Not everyone is a good fit for Vitality, and honest assessment matters more than pushing a product.

Concrete scenario examples Revolutionary Wealth can model:

• A retiree in their late 60s who regularly walks 10,000 steps, tracks activity, and completes annual screenings might see 25% better long-term premium value than a sedentary peer

• Cash flow projections showing how health rewards offset annual travel insurance premiums over 10-20 years

• Comparison of Vitality costs versus standard life insurance for someone unlikely to engage with the program

For retirees already considering John Hancock travel insurance for big trips, it can be efficient to review Vitality life insurance options at the same time. Revolutionary Wealth helps build a coordinated plan for both travel protection and long-term legacy planning.

Putting It All Together: Travel Insurance and Vitality in a Retirement Plan

Travel insurance protects near-term adventures, while Vitality life insurance supports long-term financial security and healthier living throughout retirement. Both serve distinct but complementary purposes.

A simple step-by-step approach for retirees:

1. Assess upcoming travel plans and health coverage gaps— Review what Medicare and Medigap cover abroad (usually very little)

2. Choose an appropriate John Hancock travel insurance tier— Bronze for simple domestic trips, Silver for cruises and international travel, Gold for expensive bucket-list adventures

3. Evaluate whether adding a John Hancock Vitality life policy fits— Consider your broader retirement and legacy goals

Think in time horizons:

If you’re planning a major trip, considering new life insurance, or simply unsure how John Hancock’s offerings fit into your existing retirement plan, seeking personalized guidance can bring clarity and confidence to your decisions.

Frequently Asked Questions

Does John Hancock travel insurance cover Covid-19 for retirees?

Most current John Hancock travel policies treat Covid-19 like any other covered illness. This can include trip cancellation if a traveler or covered family member tests positive before the departure date, and emergency medical coverage if they become ill during the covered trip, subject to policy terms and dates.

Retirees should verify Covid-related provisions in the specific policy they’re considering, as wording and covered triggers can vary by plan version and state. Travel disruptions due to general pandemic concerns (without a documented diagnosis) may not be covered.

Revolutionary Wealth or another advisor can help interpret Covid language in the context of a retiree’s health risks and destination requirements.

Can I buy John Hancock travel insurance if I am over 80?

Some John Hancock plans offered, particularly the Gold tier, may allow coverage up to age 99, while Bronze and Silver tiers may have lower maximum ages (such as 69). Eligibility can change by product and state.

Retirees in their late 70s or 80s should check current age limits for each tier and be prepared for higher premiums due to increased risk. The Gold tier’s extended age limits make it often the only viable option for older travelers seeking comprehensive plan protection.

Revolutionary Wealth can help older retirees compare John Hancock options and determine whether Gold or an alternative structure provides the most appropriate protection.

Do I still need travel insurance if I have a Medigap or Medicare Advantage plan?

While certain Medigap or Medicare Advantage plans may offer limited emergency coverage abroad, they often cap benefits at relatively low amounts (around $50,000 lifetime) and may require beneficiaries to pay first and seek reimbursement later.

Travel insurance from John Hancock can offer higher immediate medical and evacuation limits, plus non-medical protections like trip cancellation, interruption, and baggage coverage that health insurance does not provide at all.

Review your specific Medicare-related plan’s overseas benefits and choose a John Hancock travel policy that fills remaining gaps rather than duplicates coverage.

Can I use John Hancock Vitality if I’m already retired and on a fixed income?

Retirees can qualify for John Hancock Vitality as long as they’re eligible for and purchase a participating life insurance policy. Age, health, and underwriting standards will affect what’s available and at what cost.

Vitality can actually be particularly attractive for retirees on fixed incomes because healthier habits tracked over time may help keep life insurance more affordable compared to a standard policy without rewards. The program fees (typically $5-10/month) are often offset by premium savings for active participants.

Discuss with Revolutionary Wealth how Vitality’s potential premium savings balance against the cost of the base policy to ensure it fits comfortably within your monthly budget.

Can John Hancock travel insurance and Vitality life insurance be purchased together?

Travel insurance and Vitality life insurance are separate products, often purchased through different processes. However, nothing prevents a retiree from holding both at the same time.

Many retirees naturally encounter both needs together: they plan a big trip requiring travel insurance while also reassessing life insurance, longevity, and estate planning, which is where Vitality becomes relevant.

Revolutionary Wealth can help coordinate both decisions in a single planning conversation, aligning coverage amounts, premiums, and timelines with your overall retirement goals.

Pre-Existing Conditions: What Retirees Need to Know

When planning a trip in retirement, understanding how your travel insurance handles pre-existing conditions is crucial. A pre-existing condition refers to any illness or medical issue you had before purchasing your policy. The John Hancock Insurance Agency recognizes that many retirees have ongoing health concerns, which is why their travel insurance plans offer a pre-existing condition waiver—one of the most valuable features for older travelers.

To qualify for this waiver, you typically need to purchase your policy within 14 days of your initial trip payment. This means that if you book your cruise or tour and buy your John Hancock travel insurance promptly, you can secure coverage for medical expenses related to pre-existing conditions, as long as you are medically able to travel at the time of purchase. This is especially important for retirees who may need emergency medical evacuation or face unexpected medical expenses while abroad.

The pre-existing condition waiver provides peace of mind, ensuring that your travel insurance will cover you even if a chronic issue flares up during your trip. However, it’s essential to review your policy details carefully. Not all conditions or scenarios may be covered, and understanding the specifics can help you avoid surprises if you need to make a claim for medical evacuation or other medical expenses. If you have questions about how your pre-existing conditions are handled, consult with your advisor or the John Hancock Insurance Agency before your departure.

Travel Assistance: Extra Help When You Need It Most

Traveling as a retiree can be exciting, but it also comes with unique challenges—especially if something goes wrong far from home. That’s where the travel assistance services included with John Hancock travel insurance become invaluable. With 24/7 access to support, retirees can get help whenever and wherever they need it.

John Hancock Travel provides a dedicated assistance hotline that can help you locate medical care, arrange for emergency medical evacuation, and navigate unexpected travel delays. If you experience a baggage delay, the service can help you get reimbursed for essential items while you wait for your luggage to catch up. In the event of inclement weather or other disruptions, travel assistance can help rebook flights, find alternative accommodations, and even provide legal services if you encounter issues abroad.

For retirees, having a team ready to help with medical care or coordinate a medical evacuation can make all the difference in a stressful situation. Whether you’re dealing with a sudden illness, a lost passport, or a missed connection, Hancock Travel’s assistance services are designed to ensure your trip goes as smoothly as possible. Knowing you have expert help just a phone call away allows you to travel with greater confidence and peace of mind.

What’s Not Covered: Important Exclusions for Retirees

While John Hancock Insurance Agency offers robust travel insurance plans, it’s just as important to know what isn’t covered as what is. Every policy has exclusions, and understanding these can help retirees avoid unexpected out-of-pocket costs during their travels.

Some common exclusions in John Hancock’s trip cancellation coverage include events like terrorist attacks or certain natural disasters, which may not always qualify as covered reasons for canceling your trip. Additionally, if you have pre-existing medical conditions and do not secure a pre-existing condition waiver by purchasing your policy soon after your trip deposit, related sickness medical expenses may not be covered. Delay coverage also has specific limits, so it’s important to know how much reimbursement you can expect if your travel plans are disrupted.

Retirees should pay close attention to the requirements around the initial trip deposit and the timing of their policy purchase, as missing these windows can affect your eligibility for certain benefits. Coverage details can also vary between the Silver Plan and Gold Plan, so review your chosen plan carefully to ensure it meets your needs.

By understanding what your travel insurance plan does not cover, you can make informed decisions, fill any gaps with optional upgrades if needed, and travel with confidence knowing you’re protected against the most likely risks—without being caught off guard by exclusions.

Disclosures:

This blog contains general information that may not be suitable for everyone. The information contained herein should not be construed as personalized investment advice. There is no guarantee that the views and opinions expressed in this blog will come to pass. Investing in the stock market involves gains and losses and may not be suitable for all investors.Information presented hereinis subject to change without notice and should not be considered as a solicitation to buy or sell any security. Revolutionary Wealth LLC does not offer legal or tax advice. Please consult the appropriate professional regarding your individual circumstance.Past performance is no guarantee of future results.

Mutual Funds are sold by prospectus. Please consider the investment objectives, risks, charges, and expenses carefully before investing in Mutual Funds. The prospectus, which contains this and other information about the investment company, can be obtained directly from the Fund Company or your financial professional. Be sure to read the prospectus carefully before deciding whether to invest. An investment in the Fund involves risk, including possible loss of principal.

Fixed Annuities are long term insurance contracts and there is a surrender charge imposed generally during the first 5 to 7 years that you own the annuity contract. Indexed annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Investors are cautioned to carefully review an indexed annuity for its features, costs, risks, and how the variables are calculated. Any guarantees offered are backed by the financial strength of the insurance company. Surrender charges apply if not held to the end of the term. Withdrawals are taxed as ordinary income and, if taken prior to 59 ½, a 10% federal tax penalty. • If Variable Annuities are being offered, please add the following – 1st paragraph must be bold and/or italics: Please consider the investment objectives, risks, charges, and expenses carefully before investing in Variable Annuities. The prospectus, which contains this and other information about the variable annuity contract and the underlying investment options, can be obtained from the insurance company or your financial professional. Be sure to read the prospectus carefully before deciding whether to invest. The investment return and principal value of the variable annuity investment options are not guaranteed. Variable annuity sub-accounts fluctuate with changes in market conditions. The principal may be worth more or less than the original amount invested when the annu