Your Income.
Protected.
For Life.
20 years in finance showed me the same retirement mistakes over and over. I launched Elios Insurance Agency in 2025 to finally solve them — giving retirees a protected income floor designed to last a lifetime.
Comprehensive Insurance
Protection Services
Annuities & Lifetime Income
Protected lifetime income strategies for retirees 65+. Fixed indexed annuities, income riders, and protection planning that creates a personal pension designed to last as long as you live.
Life & Mortgage Protection
Protect your family and your home with the right coverage in place. Life insurance, mortgage protection, and legacy planning designed to preserve what you've worked a lifetime to build.
Long-Term Care Planning
One of the most overlooked risks in retirement. We help you plan for healthcare and long-term care costs before they become a crisis — protecting your assets and your family's peace of mind.
Income Gap Analysis
A clear picture of where you stand. We identify the gap between your projected retirement income and what you actually need — then build a strategy to close it permanently. Calculate yours below in two minutes →
Free 30-Minute Retirement Income Review
No obligation. No pressure. Just a clear picture of your income options and what it takes to protect your retirement — for life.
Two questions worth answering early
Free, private, and nothing is saved unless you ask us to send it. Both worksheets run entirely in your browser.
What it costs to live the way you want to — housing, healthcare, travel, everything.
Find this on your ssa.gov account, or estimate if you're unsure.
401(k), IRA, brokerage — everything you're counting on to fund retirement.
See how to close this gap
This worksheet uses simple assumptions. A protected income plan looks at your full picture — timing, taxes, and guarantees — and can change these numbers significantly. Tell us where to send it.
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Someone from Elios will follow up within one business day.
This worksheet is for educational purposes only and is not personalized financial, tax, or investment advice. Figures are illustrative estimates based on a simple 4% annual withdrawal assumption and do not account for inflation, taxes, market volatility, or your complete financial picture. No income is guaranteed by this worksheet. Speak with a licensed advisor before making any retirement income decisions.
The DIME method — the four things a policy actually has to cover.
- DDebt
- IIncome
- MMortgage
- EEducation
Credit cards, car loans, medical — everything except the mortgage.
What your household would stop receiving.
Until the youngest is independent, or until a spouse reaches retirement.
What’s still owed on the home.
What you’d want set aside for children or grandchildren.
Include any group coverage through work.
Liquid savings only — not retirement accounts you’d rather preserve.
See what this actually costs
DIME is a starting point, not a quote. What you qualify for depends on health, age, and carrier — and carriers price the same history very differently. Tell us where to send it.
Thank you — that’s on its way.
Someone from Elios will follow up within one business day.
This worksheet is for educational purposes only and is not personalized financial, tax, or insurance advice. The DIME method is a simplified estimate and does not account for inflation, taxes, existing estate planning, or your complete financial picture. No coverage is guaranteed by this worksheet, and eligibility is determined solely by the issuing carrier. Speak with a licensed agent before making any coverage decisions.
Carrier Partners — Top-Rated A+ Carriers
Elios Insurance Agency is an independent agency and is not exclusively affiliated with any single carrier.
Meet the Founder, Siraj Ismail
With over two decades of experience in accounting and finance, I've seen firsthand how unpredictable markets and rising healthcare costs can derail even the best retirement plans.
I founded Elios Insurance Agency to give Southern California retirees a protected income floor they can never outlive — the "Elios Protection Floor." My approach is simple: listen carefully, explain clearly, and only recommend what genuinely fits your situation.
Our mission is simple: to ensure you never outlive your money.
Siraj Ismail
Licensed Life & Health Professional
Southern California
