Insurance Carriers
See Below for a full listing of our carriers
ANNUITY CARRIERS
American Equity Investment Life Insurance Company
American General Life Insurance Company
American National Insurance Company
Americo
Athene
Clear Spring Life
Corebridge Financial
Delaware Life
EquiTrust Life Insurnace
F&G (Fidelity & Guaranty Life)
Global Atlantic Financial Group
Lincoln Financial Group
MassMutual Ascend Life Insurance Company
Mutual of Omaha
North American Company
Oceanview Life and Annuity
Protective Life
Reliance Standard
Sagicor
DISABILITY CARRIERS
American General
American National
Ameritas
Assurity
Illinois Mutual
Mutual of Omaha
Petersen International
Principal Life
Protective Life
Prudential Life
The Standard
LIFE CARRIERS
Accordia / Global Atlantic
Allianz
American General / Corebridge
American National
Assurity
Banner
Cincinnati Life
F&G (Fidelity & Guaranty Life)
Gerber Life Insurance
Great Western Insurnace Company
Illinois Mutual
Lincoln Financial
LSW / National Life Group
Minnesota Life
Mutual of Omaha
Nationwide
North American Life
One America
Pacific Life
Petersen International
Principal Life
Protective Life
Prudential Life
Sagicor
Symetra
TransAmerica
United Home
LONG TERM CARE CARRIERS
Mutual of Omaha
Nationwide
One America
Securian/Minnesota Life
United of Omaha
Frequently Asked Questions
What is universal life insurance?
Universal life insurance is a unique product in that it is actually two different products packaged together.
The first product is a one year annual renewable term life policy at the face amount listed on the policy.
The second product is a cash value account that grow at either a guaranteed interest rate or the current rate whatever is higher.
Universal life insurance has some advantages such as the ability to cash out at any time and the ability to change amount of premium payments.
What is the difference between universal and whole life insurance?
Universal life insurance and whole life insurance are both considered to be permanent life insurance products. However, there are very distinct differences between the two types of life insurance.
Whole life insurance is a much safer product in that most whole life policies have a guaranteed premium which gets you a fixed death benefit and cash value that grows at fixed, guaranteed rate. However you will pay more for whole life and you are restricted in when you cash in the cash value.
Universal life insurance is much more flexible. You can change the death benefit the premium you pay and the interest in the cash value account grows at an amount subject to market conditions (there is usually a guaranteed minimum though). You can actually not make payments if you have sufficient cash value in which to draw off.
Does long-term care insurance cover nursing home cost?
Long-term care insurance does cover nursing home cost as part of the general benefit structure. There are many different benefits that come to long-term care insurance.
As our population ages long-term care insurance is quickly going to become one of the most important insurance policies we own. The cost of self-insuring long-term care can cripple a family.
Be very careful when purchasing long-term care insurance as there are many different options for coverage and many different benefit structures.
What is the difference between whole life and term life insurance?
Whole life insurance is a permanent life insurance product. What does that mean?
When you purchase a whole life insurance policy that policy is guaranteed for as long as you can pay the premiums. In addition whole life has a cash account that grows at a pre-determined fixed rate.
Term life insurance is very simple. Pick a death benefit. Pick the number of years you would like coverage. The insurance carrier provides you with a premium based on your health. You pay the premium each year you have insurance until the policy runs out.
In determining the correct amount of life insurance it is important to consult a professional that will help you determine your personal and unique needs.
Do I need long-term care insurance?
Long-term care insurance becomes more important every single day as the cost of providing health care rises. Families are going bankrupt paying the long-term care expense for elder loved-ones that can no longer make it on their own.
Long-term care doesn’t just provide coverage for the nursing home or facility. Long-term care policies can also provide coverage for in-home care as well as many other benefits you may not be aware of.
It is very common these days for children to pay long-term care policies on their parents to protect their own assets in the event their parents some day need long-term care service.
What’s the difference between group life and individual life insurance?
Group life insurance is a life insurance product that is provided by an employer. Sometimes the employer will cover the premium and other time group life is an optional benefit that the employee will purchase if they desire.
Individual life insurance is a product that you buy and own yourself that is separate from anything that has to do with your work.
Group life insurance can at time be slightly less expensive however there are many drawbacks and restrictions to a group life insurance policy that you must be aware of.
Other Insurances
Life Insurance
Life insurance is a contract in which an insurer, in exchange for a premium, guarantees payment to an insured’s beneficiaries when the insured dies.
Disability Insurance
Disability insurance is a type of insurance that will provide income in the event a worker is unable to perform their work due to disability.
Long Term Care Insurance
Long–term care refers to a host of services that aren’t covered by regular health insurance.