You're used to taking care of everyone else in your company... now it's time to take care of you. After all, many businesses are only as strong as their leaders. From innovative retirement plan options you might not have heard about elsewhere to international trip insurance, we’re here to make sure you’re looked after, too.

To find out more about how we can help you, simply click on any topic of interest below.

A new retirement option for business owners

The concept is basic: use a simple interest loan to provide a lump sum of money to a business owner to invest in a tax-deferred, compound-interest investment product. It's called Financed Planning™, and it uses the power of leverage to enable you to selectively and tax-efficiently transfer wealth out of your business to fully fund your personal retirement goals using principally protected investments. To compare this option to traditional retirement plans, and see an example with hard numbers, click here to be taken to the website of our retirement planning team.

Life insurance settlements

A life settlement is the sale of a life insurance policy covering a person who has does not have a need for the policy or can no longer afford the premiums. Life insurance policy owners of an unneeded or unwanted policy use to have only two options – sell the policy back to the institution that issued it for its cash surrender value (if any) or allow the policy to lapse. Life settlements now allow an owner of a universal life or some term life policies to receive an amount greater than the policy's cash surrender value, or greater than the amount the policy owner would receive if they chose to allow the policy to lapse. In most cases, the policy being considered for sale is not performing to the expectations of the policyholder. Sometimes, the original need for the policy has changed, and the premiums to keep it current have become a financial burden. This option should be considered whenever a person is over the age of 65, or with significant health challenges, and is considering surrendering or lapsing a life insurance policy. Contact us today and we can provide you with a no obligation proposal to help you determine the value of your policy.

Individual health plans

In addition to group health plans for companies, we offer a wide range of health insurance opportunities for individuals and families. Coverage levels on individual plans may vary from those of group plans, so we'll take the time to discuss your specific needs and help you choose the best options for you. As with group insurance, for individual coverage we work with a variety of respected insurance carriers like Blue Cross Blue Shield and United Healthcare.

Health savings accounts

A tax-favored Health Savings Account (HSA) can be combined with qualified High Deductible Health Plans (HDHPs). An HDHP is typically intended to cover serious illness or injury once an annual deductible is met, and an HSA can be used to cover small and routine medical expenses until the deductible is met. This innovative combination results in savings: you pay less in healthcare premiums while enjoying a reduction in your taxable portion of your income. The HSA grows tax-deferred, and if you use your HSA funds for eligible medical expenses, you never have to pay taxes on those funds.

Plus, if you don’t spend the money in your Health Savings Account, the balance will earn interest and roll over indefinitely. The funds can be used to offset future medical expenses even after you've retired.

Limited benefit health plans

Limited benefit plans provide valuable coverage for individuals who are unable to obtain comprehensive medical benefits due to cost or pre-existing medical conditions. Most limited benefit plans will cover all pre-existing medical conditions.

Medicare supplemental health plans

Medicare offers basic health coverage in three areas: hospital and facility charges (Part A), physician charges (Part B), and prescription drugs (Part D)... but Medicare participants have discovered expensive gaps that are difficult to afford without supplemental plans offered by insurance companies.

We represent many Medicare supplemental coverage insurance companies and work with you to determine the best plan for your needs. Contact us today and we'll guide you through the process.

International travel insurance

If you plan to travel outside the country, we can ensure you're covered! We work with Seven Corners, a world leader in global medical and travel insurance and the administrator for Americorps' health benefit program, as our partner in ensuring medical and insurance for you and your family outside your home country. Whether you require a trip cancellation policy, insurance against lost or stolen luggage, or American-style health insurance benefits while residing abroad, we can find the protection you need. Simply contact us, or if you'd like to explore on your own a little first, click here to be taken to the Seven Corners website.
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