-Every time your salary increases, increase the amount you contribute to your
403(b) annuity by the same amount.

-Consider having a Roth IRA in addition to your 403(b) annuity to add the advantage of tax-free savings at retirement, subject to certain requirements.

-Take advantage of the benefits of tax deferral and reduce your current taxable income with a 403(b) annuity.

Fortunately, you have several ways to save today
for a better tomorrow.


Today, it's more important than ever to know what's going on with your retirement program. After all, with more employers reducing matching contributions, and uncertainties about the future funding of Social Security and some pension plans, you may shoulder a larger burden for ensuring your future.

Why save now?

If you are an educator, we are the agency for you; non-educators, ask us about our community discounts.

We can help you take charge of your future

In uncertain economic times, it can be tempting to put aside saving for retirement. But the truth is, there's no better time than the present to take control of your retirement program.

Contact our office today to discuss your goals.

We offer a variety of annuities and financial services products to complement your retirement plan, whatever your investment style may be.

Our office is fully dedicated to helping you achieve your retirement goals, offering personalized service to you at home or at school. We also provide a wealth of online resources and tools at horacemann.com, including financial calculators, to help you make informed decisions.


-Horace Mann Life Insurance Company IM-007124 (8/11)

who we serve

Our office offers personal lines insurance to the north state community. We are proud to represent  Horace Mann, a premier company rated one of America's most trustworthy companies by  Forbes.

Life insurance is the cornerstone of a solid financial plan. It helps protect loved ones against future financial loss.

-Term Life Insurance
-Whole Life Insurance

-Learn more



Whether you rent or own, we can find the protection
that’s right for you.

-Homeowner Insurance
-Renter Insurance
-Identity Theft Services
-Replacement Cost on Contents Coverage
-Liability Plus

-Learn more


Choosing coverage that is right for you

Personalized coverage to suite your needs. We take the time to help you understand your coverage. 

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Golden Apple Insurance & Financial Services   -   Blake Danielson lic # 0H49926  © All Rights Reserved.