Retire With Confidence

At Pera we assist Public Employees and their families retire. We can help you to understand your retirement benefits and how they fit into the big picture of your retirement plan.

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PERA – Assisting Public Employees and
Their Families Retire with Confidence

Retirement planning is complicated. It includes many things you might not think about until it’s too late. Pension benefits, saving/ investing, taxes, social security, health insurance, a spouse dying early, outliving your money and long term care are all part of big picture retirement planning. At PERA, our professionals can help bring all of these together to show you and your family what your retirement picture looks like.

At PERA we are independent and family owned. Being independent means our agents work for you not an insurance or financial company. This allows us to work with you even after you retire to keep your plan on track. Independence also what keeps PERA competitive and nimble in todays ever changing financial services industry.

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Serving the areas of

Portland OR, Eugene OR, Castle Rock, WA,
Longview WA, Wenatchee WA, Spokane WA, Olympia WA and Yakima WA.

Retirement Planning

Our professionals can help you determine which options are the best fit for you, so you can help protect what you value and have worked so hard to build.

Personal Insurance

Our goal is to protect you from the unexpected through top quality insurance coverage that works for your needs, as well as your budget.

Retirement Planning

Our experts can help you determine which options are the best fit for you, so you can protect what you value and have worked so hard to build.

Personal Insurance

Our goal is to protect you from the unexpected through top quality insurance coverage that works for your needs, as well as your budget.

Life

Providing for Your Family

Risk Factor

Raising a child is a rewarding and important life experience. It is also very expensive. The average cost of raising a child, born in 2013, to age 18 is more than $300,000. If you were to die tomorrow, would your spouse be able to provide food, clothes, daycare, and eventually college tuition for your child? In 2013, the average cost of tuition, fees, room and board for a private college was $41,412 per year.

Solution

Having life insurance could secure the future for your children if you have an untimely death. With a life insurance policy, there would be enough income to help pay for everything your child could need while growing up.

Mortgage Payments

Risk Factor

After your death, any outstanding debt and financial obligations do not disappear. Your home is probably the costliest and most significant property you own. A mortgage payment is a large burden for a widow or widower to carry.

Solution

A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on the home and car(s).

Auto Payments

Risk Factor

Many families lease or finance their automobiles these days. If the primary earner in the family were to die, the family could be left with outstanding car payments for years to come.

Solution

A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on your car(s).

Funeral Costs

Risk Factor

The average funeral costs about $10,000. That high price is for standard things, not unnecessary options or luxurious services. A death in the family is stressful enough; why add the hefty bill of a funeral to that stress?

Solution

A life insurance policy can easily cover the cost of a funeral. Your family will be able to think of you and have peace of mind without being burdened by funeral costs.

Protecting Your Retirement Savings

Risk Factor

Once you retire, you will be living off social security, and if you are lucky to have them, a pension or retirement fund, too. But what if the surviving spouse has been relying on you to fund retirement for the couple? Premature death of an earner can affect sources of retirement benefits such as Social Security benefits.

Solution

Life insurance can help support a surviving spouse during his or her retirement.

Protecting Your Small Business

Risk Factor

If you passed away, would your business suffer? There are many complications and financial issues that can arise due to the death of a business owner. Many people overlook this predicament.

Solution

A life insurance policy can keep a business moving along even during tough times, such as the loss of the business owner/partner. Key person life insurance is payable to the company and provides money for training and hiring of a new employee. A buy-sell agreement, funded by life insurance, allows the other partners in the business to buy the deceased’s share of the business, which will provide money for his or her family.

Spousal Support / Income Replacement

Risk Factor

Many people mistakenly think that they don’t need life insurance if they don’t have children or if their children are grown. However, your financial responsibilities fall to your family when you are gone.

Solution

Life insurance can replace the income you would usually bring in and help support your spouse or adult children. Keeping your loved ones living in the way they are accustomed to is an important thing to think about.

Explore how Life Insurance can protect you.

Click on our interactive graphics and learn about your unique risks and the related insurance solutions.

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As an independent agency, we offer multiple options at competitive prices.