Living in this today’s fast paced world, it’s sometimes very difficult to try and maintain a delicate balance of our work world, enjoy quality time with our families and also intelligently plan ahead for our futures. In order to protect the life style you have achieved and ensure your future lifetime goals, you will need to be well informed in order to make sound decisions.
Conversely, we also live in a world where what we “don’t know” can ultimately hurt us. That is why we worked so hard to come up with our Life Insurance & Health Programs.
Accordingly, we are pleased to provide our valued personnel with the latest information available within the Insurance and Health world of today, enabling you to better protect yourself, your loved ones and make it possible to fulfill all your dreams for tomorrow.
Click on the desired subject for more information about our Life Insurance & Health Programs
WHOLE LIFE INSURANCE PROGRAM:
Whole Life Insurance means you are covered for your entire life span provided your particular premiums are paid according to the terms in your policy. This type of insurance is also known as Permanent Insurance, which over time can accumulate a cash value that is tax-deferred until you are ready to cash out. Aside from protecting your family, it can also be a valuable savings account that you can borrow from in case of an emergency.
Our participating and authorized licensed agents can show you how to use this program to your best advantage according to your personal needs. For more information just call our closest regional office listed in the “Contact Us” portion in this web site.
TERM LIFE INSURANCE PROGRAMS:
Term Life Policies are very popular because you can select the amount of time you wish to have coverage and the premiums are less than a Whole Life Policy. Another difference is that there is no accumulated cash value and the coverage ends at the end of the term. There are many reasons why some select a five year, ten year or twenty year policy, as life styles change and these plans offer more flexibility.
Our participating and authorized licensed agents can show you how to use this program to your best advantage according to your personal needs. For more information just call our closest regional office listed in the “Contact Us” portion in this web site.
UNIVERSAL LIFE INSURANCE PLAN:
This policy is similar to Whole Life or Permanent Insurance Plan, as it provides coverage for your entire life span when the agreed premiums are paid, however this plan offers you the ability to make changes in your due premiums or the amount of your death benefit along the way. This plan gives the insured the peace of mind that in the event there is a life style change, you can change your policy to meet your demands.
Our participating and authorized licensed agents can show you how to use this program to your best advantage according to your personal needs. For more information just call our closest regional office listed in the “Contact Us” portion in this web site.
VARIABLE UNIVERSAL LIFE PROGRAMS:
The added “variable” feature to the Universal Life policy provides the ability to actually combine the paid in premiums and the death benefit with investment opportunities. This means that you can portion a set amount of the cash value and invest in a variety of professional investment divisions such as mutual funds and alike plus a fixed account. Obviously, all investments pose a degree of risk and therefore further investigations and careful considerations should be applied.
Our participating and authorized licensed agents can show you how to use this program to your best advantage according to your personal needs. For more information just call our closest regional office listed in the “Contact Us” portion in this web site.
SURVIVORSHIP LIFE INSURANCE PLAN:
This plan, whether it is a Whole Life Policy, Universal Life or Variable Universal Life Policy covers two people and pays the benefit amount to the surviving spouse or designated other person. This plan becomes convenient for Estate Planning issues and or goals related to business continuation.
Our participating and authorized licensed agents can show you how to use this program to your best advantage according to your personal needs. For more information just call our closest regional office listed in the “Contact Us” portion in this web site.
ANNUITIES:
An Annuity is a great way to save money toward your retirement. You can elect to receive a one lump payment at the time of your retirement, or select a steady stream of monthly payments.
Our participating and authorized licensed agents can show you how to use this program to your best advantage according to your personal needs. For more information just call our closest regional office listed in the “Contact Us” portion in this web site.
DEFERRED ANNUITIES:
A Deferred Annuity also means you can elect to receive a one lump payment at the time of your retirement, or select a steady stream of monthly payments, however the amount of your premiums while you are paying them or the full benefit amount are not taxable until you start taking the benefits in monthly payments or in one lump sum. Usually, when you retire you will be in a lessor tax bracket and subsequently pay less taxes then.
Our participating and authorized licensed agents can show you how to use this program to your best advantage according to your personal needs. For more information just call our closest regional office listed in the “Contact Us” portion in this web site.
VARIABLE DEFERRED ANNUITIES:
The added feature of this styled Annuity over the others is that you can elect to portion the accumulated cash value into a money market account or other investment vehicle. Of course as with every investment plan, there is always a risk factor related to your overall choices.
Our participating and authorized licensed agents can show you how to use this program to your best advantage according to your personal needs. For more information just call our closest regional office listed in the “Contact Us” portion in this web site.
FIXED INTEREST DEFERRED ANNUITIES:
The Fixed Interest Rate Deferred Annuity offers a controlled and protective measure concerning the interest rate and offers a guarantee never to fall below a certain amount.
Our participating and authorized licensed agents can show you how to use this program to your best advantage according to your personal needs. For more information just call our closest regional office listed in the “Contact Us” portion in this web site.
INCOME ANNUITIES:
The main reason why people establish Income Annuities is to provide a steady flow of monthly income after they retire. Â you can also elect to set up this type of Annuity for a specific amount of time or for the rest of your life.
Our participating and authorized licensed agents can show you how to use this program to your best advantage according to your personal needs. For more information just call our closest regional office listed in the “Contact Us” portion in this web site.
GUARANTEED LIFETIME INCOME ANNUITIES:
This Income Annuity plan is designed to provide instant monthly payments immediately after the first period of the Annuity purchase. Â You may elect to have your payments made monthly, quarterly, semi-annually or yearly for the rest of your life and the amount paid would not be affected by market trends.
Our participating and authorized licensed agents can show you how to use this program to your best advantage according to your personal needs. For more information just call our closest regional office listed in the “Contact Us” portion in this web site.
LONG TERM CARE INSURANCE:
This type of coverage has gone through many recent changes and is structured more to one’s personal requirements. You will need to have a personal and confidential conversation with our staffer to ascertain which of many plans are suitable to your needs.
Our participating and authorized licensed agents can show you how to use this program to your best advantage according to your personal needs. For more information just call our closest regional office listed in the “Contact Us” portion in this web site.
DISABILITY INCOME INSURANCE:
Our participating and authorized licensed agents can show you how to use this program to your best advantage according to your personal needs. Your most valued asset more than your home or vehicle is your continuing ability to earn an income. Your ability to provide for your family’s needs would stop unless you were protected in case you became ill or disabled. This plan would replace you “salary” so that you can continue living without financial concern. For more information just call our closest regional office listed in the “Contact Us” portion in this web site.
INDIVIDUAL HEALTH PLANS:
Our participating and authorized licensed agents can show you how to use this program to your best advantage according to your personal needs. If you have ever been without any kind of health insurance, then you already know the high costs of doctor visits and lab testings. Â Your health plan gives you “peace of mind” to know that no matter what the any illness may require, you will not fall into financial ruin. For more information just call our closest regional office listed in the “Contact Us” portion in this web site.
GROUP HEALTH INSURANCE:
The good news here is that most group insurance plans now offer a wide variety of options which offer a good measure of flexibility and affordability. Our participating and authorized licensed agents can show you how to use these programs to your best advantage, according to your personal needs. For more information just call our closest regional office listed in the “Contact Us” portion in this web site.
INVESTMENTS:
An investment portfolio allows you to manage your financial future through many choices and flexibilities. Some of the key factors are your age, the amounts of your assets, and the careful measuring of your risk tolerance factors, which guide you into making sound choices for allocating your investments. The main objective here is to provide the means for your long term goals, which also include the accumulation of retirement income. Our participating and authorized licensed agents can show you how to use this program to your best advantage according to your personal needs. For more information just call our closest regional office listed in the “Contact Us” portion in this web site.
