Annuities and Securities for Individuals and Businesses


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Life insurance has long been the mainstay of the individual life and health insurance industry.  Individual life insurance comes in a variety of forms, including whole life, term, universal, and variable life insurance. A number of additional benefits can be added through benefit riders to customize a policy to better meet the owner’s needs.  Life insurance has a range of uses in both the personal and business markets.

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As with individual insurance, many different types of group insurance plans are available, including medical expense, group life, short-term and long-term disability, and dental insurance, among others.  The most common group policy is offered by an employer for the benefit of its employees.  The group plan sponsor receives a master policy, while individual insureds are given certificates of insurance that outline their coverage and benefits under the plan.  Lower cost and the need to offer attractive benefit packages to attract and retain employees are a few of the reasons why group coverage is so popular.

Group insurance is typically provided by a business or association (the plan sponsor) for the benefit of its employees or members (the plan participants). 

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 Retirement Planning

Many people have not been diligent about developing sound retirement savings plans, despite the fact that most individuals cite having sufficient funds in retirement as an important concern.  Retirement is often viewed as a distant point in the future.  As such, people find it easy to procrastinate the goal of retirement in favor of current financial demands: a new home, college educations for the children, vacations, medical expenses, a new car, or daily living expenses.  Yet the reality is that retirement planning cannot be reserved for tomorrow or perceived as optional, nor can it consist of putting aside the dollars that remain after all other obligations have been paid for.  Rather, retirement planning takes a conscientious and strategic effort to reach one’s savings goals.

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A significant part of the U.S. population is insured under Medicare. Medicare is a federal health insurance program for persons who:

·         are age 65 and older

·         have permanent kidney failure

·         have a qualified disability

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Managing RISK

People are exposed to risk every day. They can manage it in various ways: they can avoid the risk, they can reduce the risk, they can share the risk with others, or they can simply do nothing and retain the risk.  However, many people reject these risk-management approaches in favor of transferring their risks to an insurance company, through the purchase of various types of insurance.

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Long-term care insurance (LTCi) is designed to pay for care that is needed by insureds who suffer from chronic illness or disability.  Long-term care insurance (LTCi) generally covers the cost of nursing homes, home health care, visiting nurse care, homemaker care, and respite care, depending on the provisions of the particular long-term care insurance policy.  Medicaid usually pays benefits for long-term care or other health care services only for individuals with limited income and few tangible assets. 

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Disability insurance pays a monthly income when the insured meets the insurer’s definition of disability as stated in the policy.

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Health insurance

Health insurance policies vary substantially with respect to the benefits they provide.  The primary types of health insurance policies are:


·         Hospital income policies 

·         Basic hospital and surgical policies 

·         Major medical policies 

·         Limited policies

Read more about what this policies have to offer