Life insurance can provide an excellent opportunity for you to meet many of your goals while still protecting the financial security of your loved ones. All life insurance policies have some things in common-you make payments, called premiums, to the insurance company. When you die, the insurance company pays a death benefit to your beneficiaries. Often, this death benefit is received income tax-free.

Permanent life insurance, however, can also provide a living benefit. When you pay your premium, part of it goes into a cash reserve and accumulates tax-deferred. You can generally access this cash reserve at any time, for any purpose. It can be used for things like education expenses, retirement income, and many other needs. It also remains in force during the insured's entire lifetime, provided premiums are paid as specified in the policy.

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Ryan E. Riggs is a Registered Representative of Park Avenue Securities, LLC (PAS). Securities products/services and advisory services are offered through PAS, a registered broker/dealer and investment advisor. Field Representative, The Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is an indirect, wholly owned subsidiary of Guardian. Physician Financial Security Group, LLC is not an affiliate or subsidiary of PAS or Guardian. PAS is a member FINRA, SIPC.

The Information on this site is intended for the residents of VA, MD, NC, FL, NY. The financial representatives of Physician Financial Security Group, LLC are not licensed to sell insurance in all 50 states. To find out if an agent is licensed in your state, please contact Ryan Riggs at 866-319-9697.


The information or opinions contained in the Internet site should not be construed by any consumer and/or prospective client as an offer to sell or the solicitition of an offer to buy any particular investment product. The information contained herein is directed solely to those individuals who reside in jurisdictions in which the representative is registered in the state where the consumer and/or prospective client reside. Any subsequent direct communication with a consumer and/or prospective client shall on be conducted by a representative that is registered in the state where the consumer and/or prospective client resides. 

Neither Park Avenue Securities, Guardian, nor their representatives render legal or tax advice. Please consult with your attorney, accountant, and/or tax advisor for advice concerning your particular circumstances.