Get a clear estimate of your monthly CalSTRS or CalPERS pension, at no cost to you. On a free call, a licensed representative will walk you through how your years of service, age at retirement and final compensation affect your income, and what your options are. You'll come away knowing where you stand and what to plan for.

Your pension is the foundation, but it may not cover everything you'll need in retirement. A licensed representative can help you see where the gaps are and explain options like 403(b), 457 and IRA accounts, so you can make informed decisions and avoid outliving your income.

Life insurance can help make sure your family is taken care of if something happens to you, whether that means covering the mortgage, paying for college or simply keeping up with everyday bills. A licensed representative can explain the types of coverage available and help you decide what fits your family's needs.

An annuity is a contract that can grow on a tax-deferred basis and later provide a steady stream of income. Many school employees use annuities within their 403(b) to supplement their pension. This matters especially for CalSTRS members, who generally don't earn Social Security for their teaching service. A licensed representative can explain how different annuity types work and whether one makes sense for your situation.

If you ever need help with daily activities because of a chronic illness or cognitive impairment, long-term care insurance can help pay for that care. The care might be at home, in an assisted living facility or in a nursing home. Long-term care can be expensive, and without coverage it can drain savings that were meant for retirement or your family. Coverage can help protect your assets, preserve your independence and give you more choice in the care you receive. A licensed representative can walk you through how these plans work.

If you were diagnosed with cancer, would your health plan cover everything? Even with good medical insurance, many costs fall outside it. Cancer insurance pays benefits you can use for expenses such as:

• Deductibles and co-pays

• Treatment at out-of-network specialty centers

• Experimental treatments

• Home health care

• Travel, lodging and meals during treatment

• Child care

• Lost income while you recover

A licensed representative can explain how cancer insurance plans work and whether one fits your needs.