Retirement Planning for the life you’ve earned.

Whether retirement is a lifetime away or right around the corner, Polaris helps you build a strategy for reliable income, lasting security, and the freedom to live life on your terms.

Your Retirement, Your Way

Realize your financial goals on your timeline.

There are many different ways to think about retirement, and your dreams may not appear on anyone’s bucket list but your own. No matter how you envision it, having the freedom to live life your way depends on having a secure source of reliable income and the right plan to get there.

The earlier you start saving, the more flexibility and freedom you’ll have to choose the when, how, and where of retirement. If you’re a business owner, our advisors can show you how to take advantage of retirement strategies designed to maximize your savings while offering plans that reward and retain top talent.

And even if you’ve already retired, our team can help ensure your savings continue to work for you, providing income, protecting against longevity risk, and preserving wealth for the next generation.

For Individuals

Secure Your Income

Build a retirement income strategy that provides reliable income payments, tax advantages, and the financial confidence that your essential expenses are covered for life.

For Business Owners

Maximize & Retain

Leverage retirement plans designed to maximize your personal savings while offering competitive benefits that attract and retain your best employees.

Retirement Products & Solutions

The right tools for a secure future.

Polaris offers a broad range of retirement products designed to help you accumulate assets, generate income, and protect your wealth through every stage of retirement.

Tax Advantage · Flexibility

Individual Retirement Accounts

Save for retirement with tax advantages through traditional or Roth IRAs. Choose among investment options like mutual funds, individual securities, and annuities, with eligibility requirements, contribution limits, and tax benefits that differ by account type.

Predictability · Liquidity · Death Benefit

Deferred Fixed Annuities

Designed to accumulate assets for retirement with the ability to convert them into a reliable stream of income at a future date you choose. You decide when payments begin and how long to receive income.

Growth Potential · Income Options

Variable Annuities

A tax-deferred investment that can provide an income stream for life or a specified period. Variable income payments fluctuate based on the performance of the investment choices you select, with a fixed account option also available.

Reliable Income · Lifetime Security

Income Annuities

Provides an income stream immediately or at a future date, designed to provide income for the rest of your life.

Income for life or a chosen period

Death benefit options available

Helps fund essential retirement expenses

Growth Potential · Principal Protection

Fixed Index Annuities

Links return potential to market indices while protecting your principal from market loss. Ideal for long-term goals seeking moderate growth with a low-risk approach to generating income.

Interest credited based on index performance

Lifetime income through withdrawal benefit rider

Contract value protected from market downturns

Cash Value · Living Benefits · Legacy

Whole Life Insurance

Permanent protection with guaranteed fixed premiums, a guaranteed death benefit, and cash value growth that can supplement your retirement income.

Premiums never increase

Tax-advantaged cash value accumulation

Living benefits accessible during retirement*

Variable annuities are sold by prospectus. Before purchasing, investors should carefully consider the investment objectives, risks, charges, and expenses. Annuity and life insurance product features, including any income benefit riders, are subject to the claims-paying ability of the issuing company. Access to cash values through borrowing or partial surrenders will reduce the policy’s cash value and death benefit, increase the chance the policy will lapse, and may result in a tax liability. Securities offered through registered representatives of MML Investors Services, LLC, Member SIPC and FINRA. Polaris Risk Management Corp is not a subsidiary or affiliate of MML Investors Services, LLC.

*Borrowing or withdrawing cash value will reduce the policy’s cash value and death benefit, increase the chance the policy will lapse, and may result in a tax liability if the policy terminates before the death of the insured.

Ready to plan your retirement?

Whether you’re decades away or already there, a conversation about your retirement goals can reveal opportunities and close gaps you didn’t know existed. Let’s build your plan together.

Schedule a Conversation