Summary of Plans

Retirement Calculators

• Asset Allocator
• 401(k) Savings
• Retirement Income
• Retirement Planner
• Retirement Shortfall Calculator

Big "I" Employee Benefits

Big "I" Professional Liability 

Big "I" Markets 

Big "I" Flood Program

Big "I" Employee Benefits

Lifesource/Crump Insurance Services

Non-Insurance Products and Services 

Turning Your Retirement Questions Into Answers
Having trouble deciding which retirement plan is right for you or your agency? Big "I" Retirement Services is here to help you choose which plan best meets your circumstances. We’ve worked with more than 1,000 agencies to help them achieve their retirement goals.
Roll Over Your Plan and Save
Our advisers are available to all IIABA members to provide consultation on existing and new plans alike at no cost or obligation. At Big "I" Retirement Services, we consider you a member first, and a client second. Whether we’re building a new plan for your agency from the ground up or simply rolling over your existing plan in order to save you money with our low administrative fees, we strive to make your experience with us pleasant, professional, and hassle-free.
A Plan for Every Need
Whether your goal is to maximize owners’ contributions, lower your agency’s tax burden, or retain key employees, our retirement professionals can tailor and customize a plan to fit your needs.

The Big "I" Advantage
Aside from the fact that independent agents like you are the only clients we serve, there are some other advantages that make us different. Consider:

• Quality Investments
  Participants have their choice of several investment options that cover the risk/reward spectrum. Investments are closely monitored, and are offered at institutional pricing and rates. Be sure to check out our current fixed rate, a popular investment option.
  401(k) Rates of Return |       IRA Rates of Return
   
• State-of-the-Art Administration
  All aspects of the plan are bundled, including form filings, quarterly statements, document maintenance, enrollments, and transition support. One low fee pays for complete plan services, so you can focus on running your agency instead of diverting resources to managing the plan.
   
• IIABA Support
  With over 25 years in the retirement business, the Big "I" serves as a strong advocate for participating agencies. Whether it concerns a complicated transition from another provider, or perhaps a sale of the agency, we know your business, understand your market, and can grasp your needs.

Plan Options

Plans for Agencies

• Safe Harbor 401(k)
• Regular 401(k) 
• SIMPLE 401(k)
• Simple IRA
• SEP
• Profit Sharing Plans
• Money Purchase Plans

Plans for Individuals

• Regular IRA
  The Regular IRA allows you to contribute up to $5,000 per person in tax-deductible contributions for 2012 (plus $1000 per person if age 50 or older).   There is no minimum balance requirements, no front-end or back-end sales charges, no restrictions on transfers between investment options, and no market rate adjustments for transfers between funds.
   
• Roth IRA
  The Roth IRA has all of the great program features and investment options as the IIAA Regular IRA.  It is eligible for non-deductible contributions up to $5,000 annually, but unlike the Regular IRA, it does not treat withdrawals as taxable income.  In a Roth, contributions can be withdrawn tax-free after five years and age 59 ½, or without penalty for the first home purchase and higher education.  A Roth IRA account may also be passed on to your heirs income tax-free.