Fall Into Financial Wellness: 3 Smart Moves Before Year-End
October 14, 2025
As the leaves begin to change, fall offers more than crisp air and cozy sweaters — it’s also the perfect time to take stock of your financial wellness. Before the holiday rush and the end-of-year deadlines arrive, a little planning can make a big difference in your family’s long-term stability. Thoughtful year-end financial planning not only provides peace of mind but can also help you save money, reduce taxes, and strengthen your future security.
At 1891 Financial Life, we understand that people don’t buy life insurance for what it is — they buy it for what it does. Protecting loved ones, creating financial confidence, and giving back to the community are at the heart of what we do. As you look ahead to the close of 2025, here are three smart moves to make before year-end.
1. Have You Reviewed Your Life Insurance Needs Lately?
Life doesn’t stand still — and neither should your coverage. Whether you’ve recently bought a home, welcomed a child, or experienced another major life event, it’s worth reviewing your policy to ensure it still meets your needs. Even small adjustments can make a big difference for your family’s future security.
Fall is an excellent time to:
- Confirm that your beneficiaries are current.
- Reassess your coverage amount based on your income, debts, and family goals.
- Check whether your term policy is approaching its renewal or conversion date.
Life insurance is a financial tool that helps ensure your loved ones are cared for — not just today but for years to come. Locking in rates now can also help you take advantage of your current health and age, protecting your family affordably while you’re in your prime earning years.
2. Maximize Your Tax-Deferred Savings Options
Before the year wraps up, it’s wise to review your savings and retirement contributions. Many people overlook the benefits of making additional contributions to tax-advantaged accounts, such as IRAs, Roth IRAs, or employer-sponsored plans, which can reduce taxable income and enhance long-term financial security. You can review current limits and guidelines on the IRS website.
If you’ve already maxed out your workplace plan or want another way to grow your savings, an annuity can be an excellent addition to your financial strategy. At 1891 Financial Life, our annuities are designed as financial vehicles that provide steady, lifetime income, helping you bridge the gap between your savings and future needs. Consulting with a trusted representative can help you determine which options best align with your goals and timeline.
3. Make Use of Member-Only Benefits and Giving Programs
Being part of a fraternal benefit society means your membership comes with more than financial products — it comes with purpose. As a member of 1891 Financial Life, you gain access to exclusive benefits and discounts, including scholarships, service grants, and community programs that help you give back while achieving your own goals.
These benefits reflect our belief that financial wellness isn’t just about money — it’s about meaning. When you invest in your family’s future through 1891, you’re also supporting a community-focused organization that funds charitable initiatives, volunteer efforts, and educational opportunities across the country.
Let’s Make the Most of This Season
Taking time for year-end financial planning can make the months ahead smoother and more secure. A quick policy review or contribution check today can lead to lasting peace of mind tomorrow.
At 1891 Financial Life, we take the time to understand what matters most to you. Our caring team provides tailored guidance to help you make confident financial decisions. Reach out today to learn how we can support your goals and your family’s future.
About 1891 Financial Life
Our culture is about looking out for you, for others, for family, for the community. That is how we go “Beyond Life Insurance.”
At 1891 Financial Life, we don’t just sell policies, we offer possibilities. We pride ourselves on giving back to the communities that we serve by providing quality and comprehensive insurance solutions. We are a not-for-profit life insurance Society, which means the sales from these financial service products help fund member benefits, along with social, educational, and volunteer programs designed to respond to community needs. In 2023, 1891 Financial Life was listed by Forbes as one of "The World's Best Life Insurance Companies."
Our portfolio is extensive, ranging from various life insurance policies to our annuities to support your financial needs, no matter what stage of life you’re in.