For Individuals For individuals, Rita Gibson Insurance & Investment Services provides life insurance so loved ones can maintain their current lifestyle in the event of death, and audits existing policies to be sure they are still in force, competitively priced, and name the correct beneficiaries. She provides disability income policies to replace income if a client is sick or hurt, and offers long-term care plans that pay for personal care. In addition, the firm offers retirement planning, including IRAs, asset management, tax-free retirement income through Roth IRA and life insurance cash values, and retirement income cash flow that coordinates with their estate planning. Life Insurance—so loved ones can maintain their current lifestylePolicy Audits—review performance of existing coverages, beneficiaries, etcDisability Income—to replace income if sick or hurt and unable to workLong-Term Care—pays for personal careRetirement Planning—IRAs, Roth IRAs, IRA Rollovers, and retirement income planningIncome Tax-Free Retirement—Roth IRA and life insurance cash values*Retirement Income Cash FlowsEstate Planning*Life insurance policies are subject to certain costs, limitations, and terms for maintaining coverage. Accessing policy cash values reduces benefit amounts and can be received tax free provided the policy is not a modified endowment contract.