McCrory Financial Services

08/03/2026

Life insurance helps protect your loved ones. Did you know it can also help while you’re living?

Take Mary, for example. In her 50’s she purchased an indexed universal life (IUL) policy that included living benefits riders. At age 70, she was diagnosed with a terminal illness that qualified her to activate her living benefits.

To enjoy the remaining time with her family, Mary decided to accelerate a portion of her death benefit using the terminal illness rider, one of the living benefits her policy offers. It eased the stress of her final years and allowed her to focus on what mattered most to her.

See what Mary received, and explore the ways that living benefits can help: https://bit.ly/4yNtEgs

06/26/2026

The Medicare Rights Center’s work touches all aspects of the Medicare program, including Original Medicare (OM), private Medicare Advantage (MA) and Part D prescription drug plans, and supplemental coverage like Medigaps. Our Focus Our policy work centers beneficiaries and our commitment to the Me...

06/12/2026

A new report from the U.S. Department of Health and Human Services (HHS) Office of Inspector General (OIG)—a watchdog agency— finds Medicare Advantage (MA) plans overturn nearly all (95%) prior authorization denials for admission to skilled nursing facilities (SNFs). This could indicate a harmfu...

05/13/2026

What it is, what it isn't, and why it matters now.

05/11/2026

05/05/2026

Most people are building their retirement on a foundation with a crack in it.

Here's what most advisors don't talk about with your 401(k):

⚠️ Most default investments carry real market risk on the downside

⚠️ Every dollar you withdraw gets taxed as ordinary income — at whatever rate applies when you pull it

⚠️ Early withdrawals before 59½ typically trigger a 10% IRS penalty

There's a tool more professionals are adding to their retirement strategy — a properly structured Indexed Universal Life (IUL) policy.
Here's what makes it different:

📈 Your cash value earns interest tied to a market index. When the index goes up, you get credited. When it drops, your floor holds at zero — though internal policy costs can still affect your balance, so proper funding matters.

💰 In retirement, policy loans are generally not treated as taxable income by the IRS — no 1099, no income tax bill — as long as the policy stays properly structured and in-force.

🛡️ You can access your cash value before 59½ without the IRS early withdrawal penalty. Many policies also include living benefit riders for qualifying serious illness events.

Like any financial tool, IUL has its trade-offs — insurance costs, growth caps, and the need for proper structuring. But when it's the right fit and built correctly, few strategies can match its combination of protection, tax-free growth, and retirement income flexibility.

If you're between 35 and 65 and you've never had an IUL explained to you properly — that conversation is free and it might change how you think about retirement entirely.

📞 Call or text: 501-538-6655
🌐 www.mccroryfinancialservices.com

05/04/2026

📢 If you've got money sitting in a CD or savings account right now, this is worth 60 seconds of your time.

As of May 2026, top MYGA (Multi-Year Guaranteed Annuity) rates have climbed to 6.30% guaranteed — and that number matters more than most people realize.

Here's a quick comparison of where your safe money can actually go right now:

🔵 MYGA — Up to 6.30% guaranteed
Your rate is locked in for the full term. No market risk. No surprises. Your principal is fully protected and your growth is tax-deferred until you need it.

🔵 CD (Bank Certificate of Deposit) — ~4.10%
Familiar and FDIC-insured, but rates have slipped slightly and your interest is taxed every year whether you withdraw it or not.

Here's why May 2026 is a meaningful window:

Most analysts expect the Fed to continue cutting rates through 2026. When that happens, CD renewal rates will follow them down. A MYGA lets you lock in today's rate for your entire term — whether that's 3, 5, or 7 years — regardless of what the Fed does next.

If you have money in a maturing CD, a savings account earning less than 2%, or cash sitting idle in a money market — a MYGA comparison is worth having.

We work with multiple carriers and can show you exactly what today's top rates look like for your situation — no obligation, no pressure.

📞 Call or text: 501-538-6655
🌐 www.mccroryfinancialservices.com

04/21/2026

Protection should be simple, accessible, and built for real life. Instant Decision IUL helps families move forward with confidence and provides easier, instant coverage.