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    • Problem solution / Finance / Insurance
    • 2026/02/14 (Sat)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Life Insurance （ Life Insurance ） Do You Know the U.S. Life Insurance World ？

    …
    "I hear that American insurance programs are better than those in Japan, but it's true.

    In fact, there are five types of life insurance in the U.S. that are not well known in Japan.
    The following two are the most commonly offered in Japan.

    ・ Term Insurance （ Term Insurance ）
    ・ Whole Life Insurance （ Whole Life Insurance ）

    However, in the United States, the choices are even wider. In the U.S., however, the choices are even wider.

    The feature of these plans is that they can be used not only for "protection" but also for "asset building".

    Five types of life insurance in the U.S.
    ■ ■ ■
    1, Term Insurance （ Term insurance ）
    A low cost, lump sum type. However, premiums for renewal after the contract period will increase significantly depending on the age of the insured.

    2, Whole Life Insurance （ Whole Life Insurance ）
    An accumulation type that lasts for a lifetime. It provides a stable interest rate of around 4%. Monthly premiums are higher, but it is a secure, high street type.

    3, Universal Life Insurance
    5 ～ 7% interest on savings and flexible payment amount. It is attractive because it can be adjusted to fit your life plan.

    4, Variable Universal Life Insurance
    A type that invests savings in mutual funds. Depending on the market, assets may grow significantly. For those who seek risk and return.

    5, Index Universal Life Insurance
    Linked to market indices （ such as S&P500 ）. Guaranteed lower rate （ of about 1% ）, capped at over 12%. Features the ability to protect your principal while enjoying the upside of your investment.

    Hawaii residents also have peace of mind ！
    ・ Expatriates ・ Foreign students ・ Spouse visa holders can also join
    ・ Some plans can be continued after returning home
    ・ American Individual Annuities （ Annuities ） and Long-Term Care Insurance

    Recommended for ！
    ・ Those who are worried about Japanese insurance alone
    ・ Those who want to secure a source of income after retirement.
    ・ Those who want to secure a source of income after retirement
    ・ Those who want to build assets in US dollars

    We accept quotes at any time.
    Please feel free to contact us.

    Please feel free to contact us.

    • Introduction / Finance / Insurance
    • 2026/02/14 (Sat)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Individual Annuities （ Annuities ） Secure plan for the second half of life that protects you from "longevity risk



    Annuities are the "opposite" of life insurance. Annuities are the "opposite" of life insurance.

    While life insurance leaves money "when you die," annuities allow you to receive money periodically "as long as you live.


    Main Advantages of Annuity
    ・ Secure income for life ： Peace of mind that your income will continue forever even if you live long
    ・ Stable investment ： Designed to prevent loss of principal even when stock prices decline
    No limit on the amount you can accumulate ： More freedom in asset building than IRAs and 401(k)s
    ・ Popular as a 401(k)/IRA rollover destination ： Can be transferred with tax advantages

    Annuities come in two Types.
    ① Fixed Annuity （ Fixed Annuity ）

    Stable investment at a fixed rate
    Recommended for those who do not like price fluctuations

    ② Fixed Indexed Annuity （ Fixed Indexed Annuity ）

    S&Linked to P500 or other stock index, high yield expected
    Protect principal with minimum interest rate （ 0% guarantee, etc. ） even during downturn

    #92;Check also the notes/
    ・ Assuming the creditworthiness of the insurance company （ Guarantee depends on the insurance company with which you have a contract ）
    ・ 10% penalty tax on withdrawal under 59 1/2 years old
    ・ If you cancel the policy early, you will be

    Recommended for those who ！
    ・ want to have a stable fund for future life
    ・ want to utilize 401(k)™ and IRA in a safer way
    ・ want to increase assets in dollar terms
    ・ I would like to avoid the volatility of stocks

    We are always happy to give you a quote.
    Please feel free to contact us.

    Please feel free to contact us.

    • Useful info / Finance / Insurance
    • 2026/02/14 (Sat)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    401(k)™ ／ IRA Rollover Retirement ・ The New Normal for "Wise Use" of Accumulated Assets

    ？

    "What should I do with my old 401(k)s after I change jobs ？

    The "rollover" method is attracting attention from such people.

    Rollover means ？
    transferring your 401(k)™ assets to another account when you retire or change jobs.

    The following are common destinations for transfers.

    ・ IRA （ Individual Retirement Account ）
    ・ Annuity （ Individual Annuity ）

    Transferring assets allows for more freedom in investment ・ management.

    ■ ■ ■
    Four rollover advantages
    ① Maintain tax advantages
    → Compound your assets while deferring taxes

    More investment options
    → More investment options than company 401(k)™

    ③ Secure lifetime income
    → Possibility of receiving a "lifetime annuity" if transferred to an annuity
    ④ Easier to manage by consolidating assets
    → Clear your mind by combining multiple 401(k)s after changing jobs

    \ recommended for people like ！ /
    ・ Before 401(k)™ at your former workplace is still there
    ・ Want to review asset management after job change or retirement
    ・ 401(k)™ investment portfolio is limited and you want to invest more freely
    ・ Take advantage of tax benefits for the future
    ・ I want to efficiently use the assets I accumulated in the U.S. after returning to my home country
    ・ I want to manage multiple 401(k)s in a single account
    ・ I want a stable lifetime annuity as a source of income in my retirement I am also considering annuity ）

    We are always ready to give you a quote.
    Please feel free to contact us.

    • Satisfaction guaranteed / Finance / Insurance
    • 2026/02/14 (Sat)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Asset Management ・ Savings

    ？

    ？

    Those who are feeling anxious are now reviewing "asset management and savings plans by purpose.

    Asset Management ・ What is a Savings Plan ？
    It is a system to not only "save" but also "protect and grow" money according to your objectives and life stages.

    For example,

    ・ Investment through mutual funds and ETFs
    ・ Annuity （ Private pension ）
    ・ Education expenses ・ Medical expenses ・ Housing Saving for Purchase
    ・ Asset Protection Combined with Life Insurance
    ・ Asset Management ・ Benefits of Savings Plans
    ・ Growing Money

    Growth Opportunities not available with bank deposits. Compounding effect with long-term investment.

    ・ Can be designed according to your life plan

    Suitable for different purposes such as education funds, home purchase, retirement, etc.

    ・ Secure investment through risk diversification

    Stocks ・ Bonds ・ Balanced combination of insurance and other products to reduce risk.

    ・ Prepare for "what-if" situations at the same time

    Combined insurance type to prepare for contingencies such as medical expenses and nursing care costs.

    \Recommended for the following people ！ /
    ・ You are saving money every month, but feel your asset growth is insufficient
    ・ You want to be well prepared for different purposes such as education funds and home purchase
    Want to prepare a future source of income now
    ・ Want to manage my assets in a way that suits me even though I live in the US
    ・ Will continue to do so after returning to Japan ・ Looking for financial products I can use
    ・ Want to use both yen and dollar assets

    We are always ready to give you a quote.
    Please feel free to contact us.

    • Problem solution / Finance / Insurance
    • 2026/02/14 (Sat)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Long-Term Care Insurance （ Long-Term Care Insurance ）

    Preparing for a secure retirement in Hawaii, it is easy to think that "it's still a long way off".

    But in fact, it is said that about 70% of people over the age of 65 in the U.S. will need some type of long-term care during their lifetime.

    In Hawaii, rising prices and labor costs have caused the cost of long-term care to rise each year; the average cost as of 2025 is as follows.

    Home care ： Monthly approx $ 4,100 to $ 4,600 （ 6 hours × 5 days a week ）
    Assisted living facility ： Monthly approx $ 5,195
    Nursing home （ Private room ） ： Monthly approx $ 11,254 （ Annual approx $ 135,000 ）
    Nursing care can come suddenly. That is why it is important to prepare early.

    Long-term care insurance types in the U.S. （ Three ）

    1, Type added to life insurance
    A simple form that allows "long-term care coverage" to be added to existing life insurance.

    2, Combined type （ Linked-Benefit Policy ）
    Long-term care ＋ A single policy can cover multiple purposes, including death benefit.

    3, Stand-Alone （ Stand-Alone Policy ）
    A plan specializing in long-term care. Attractive for its generous coverage.

    You can also choose the benefit method.

    Reimbursement （ Cost reimbursement type ）
    Cash Indemnity （ Cash benefit type ）

    \Recommended for people like ！ / ・ Want to live in Hawaii after retirement with peace of mind
    ・ Don't want to burden my family
    ・ Want to receive care that meets my needs
    ・ Looking for insurance that can continue after returning to Japan

    We are always happy to provide you with a quote.
    Please feel free to contact us.

    • Signature service / Finance / Insurance
    • 2026/02/09 (Mon)

    This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)

    Let "Mare Tax&Accounting" handle your tax returns.

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    tax returns and other tax services.
    We are committed to optimizing tax efficiency while ensuring compliance with laws and regulations, and we are ready to file your tax returns with confidence.

    We reduce the anxiety and burden of tax-related issues by working closely with each client's individual situation and providing a clear and courteous service.
    We leave the complicated procedures to you so that you can concentrate on the growth and development of your business.

    Mare Tax&Accounting is a trusted tax partner that values accuracy and transparency.
    Contact us today to discuss your tax return.

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