Below Are List Of The Products I Offer
Annuity - We offer a variety of Annuity products with fixed and variable rates. We can provide single premium annuities, and flexible premium annuties. For the current rates on our annuities please contact us.
Whole Life Insurance - Whole Life Insurance is insurance that is designed for the whole life. The Premiums are level (which means they never increase). Whole Life Insurance also builds Cash Value. The Insured can take reduced paid up options, Surrender the policy for its cash value, or borrow against the insurance policy.
Level Term Life Insurance - Unlike Whole Life, Term Insurance is designed to insure an individual for a specific term of life, and is usually the least expensive Insurance someone can purchase. Most term products can be purchased with term limits of 10, 20, or 30 year increments. When purchasing level term the face amount and premiums remain level during the term of the policy. The Policy may be renewed at the end of the term, or converted to Whole Life Insurance, depending on the provisions within your policy.
Final Expense Insurance - Final Expense Insurance is insurance that is specifically designated to pay for the Final Expenses of a loved one. According to the National Funeral Directors Association, the average cost of todays funeral is $6,560.00. These prices do not include the cost of a vault (required by some cemeteries), cemetery property, grave markers, flowers, etc. The last thing anyone will leave their family is a funeral bill. With Final Expense Insurance you can have the peace of mind that your friends and loved ones do not have the financial burden associated with your Final Expenses. We also provide our clients with a Final Wishes booklet. The Final Wishes booklet is designed to list all of your final wishes, and the location of all of your important information that will be required by the funeral home. If you live in the Arkansas area and would like to receive one of these Final Wishes Booklets absolutely FREE of charge, please contact us through this site.
Critical Illness Insurance - Critical Illness insurance is designed to assist with Major Medical Co-Pays and costs associated with contracting a critical Illness. In most cases, the benefits are paid directly to the insured. Some of the other benefits of having Critical Illness Insurance is to replace lost income associated with the illness. The benefits can be used to pay your Mortgage, provide for your childrens education, pay utilities, living expenses, and a variety of other uses. Critical Illness Insurance is useful while unable to work due to a covered illness.
Cancer Insurance - Statistics tell us that 1 out of 3 people will be diagnosed with Cancer sometime during their life. When cancer strikes a working individual, it means there will be a tremendous amount of out of pocket expenses. In many cases an individual is forced to miss work for doctors visits, and in some cases they are no longer able to return their normal job duties. Cancer Insurance is designed to pay a lump sum benefit directly to the Insured to cover out of pocket expenses. Many people use these benefits to finance the cost of daily living, and replace income that is lost. You never have to pay the money back, and you keep the benefit even if you survive the battle.
Accident & Dismemberment Insurance - Accident Policies are designed to pay lump sum benefits directly to the insured in the event of an accident related injury. Depending on which plan you select, benefits can be paid for overnight hospital stay, Ambulance transport, Air Transport, loss of eyes, limbs, or even a cash benefit paid to your beneficiary if the insured death is an accident related death.
Disability Insurance - What is the value of your monthly income? Disability Insurance is designed to protect your income in the event that you become disabled. With Disability Insurance you can protect your assets, and meet the needs of your loved ones. Disability Insurance can be purchased on a short term basis, or a long term basis.
Long Term Care Insurance - According to the Genworth 2010 Cost of Care Survey, the annual cost of a private nursing home room has increased from $60,225 in 2005, to $75,190 in 2010. Long Term Care Insurance is designed to pay for care whether in your home, or in a dedicated nursing facility so you wont have to spend down savings or sell assets to pay for the cost.
Group Insurance - We offer Group medical, dental, vision, AD&D, Term Life, Long Term and Short Term Disability, Cafeteria Plans, and many other valuable group benefits through payroll deduction. Your accountant should be able to advise you of any tax benefits you can receive for making the minor change.
Voluntary Group Insurance - Do you want to offer your employees the opportunity of receiving benefits without having to make any accounting changes? We can arrange a time to set up at your facility and consult with each of your employees about some of the same benefits, that can be paid on an individual basis. Remember that a healthy employee is a happy employee.
Individual Dental Insurance - Do you need Dental Insurance, but your employer does not offer it? We offer an individual and Family Dental plan. In some cases there is no deductable. Call us today about find out we can benefit the smile of your entire family.
Business Overhead Expense (BOE) Insurance - BOE Insurance is a disability policy that pays the insured’s business overhead expenses if he or she becomes disabled. A BOE pan pays a monthly benefit based on actual expenses, not anticipated profits. It is designed for businesses that rely on a small number of people (or one person) to produce revenue. Some of the expenses that are covered with a BOE Policy are Rent, Interest Payments on some business debts, Utilities, Employee Salaries, office expenses, equipment maintenance, taxes on the business property, professional memberships and subscriptions, and a variety of other expenses directly related to the overhead expenses of the daily operation of a business.
Key Employee Insurance - Is normally a Term Policy that covers the life of a key employee. A key Employee would be an Employee that is of such value to an Employer that the loss of his life would cause that employer to suffer a tremendous hardship. The business owns the policy, pays the premiums, and is the beneficiary of the policy.
Buy/Sell - A buy sell agreement is a contract that identifies a buyer for your business in the event that you die, become disabled, or retire, and establishes a fair price for your heirs. Owners usually choose from two basic types of buy-sell agreements. With a cross-purchase agreement, each owner of the corporation purchases an insurance policy on the other shareholders. The purchaser is both owner and beneficiary of the policies. Upon the death of a shareholder, the other shareholders are then able to use the life insurance proceeds to purchase the deceased owner’s shares. Another commonly used type of agreement is a stock redemption agreement, in which the corporation owns policies on the lives of the shareholders. When a shareholder dies, the corporation buys the deceased shareholder’s interest in the company with the insurance proceeds.
Whole Life Insurance - Whole Life Insurance is insurance that is designed for the whole life. The Premiums are level (which means they never increase). Whole Life Insurance also builds Cash Value. The Insured can take reduced paid up options, Surrender the policy for its cash value, or borrow against the insurance policy.
Level Term Life Insurance - Unlike Whole Life, Term Insurance is designed to insure an individual for a specific term of life, and is usually the least expensive Insurance someone can purchase. Most term products can be purchased with term limits of 10, 20, or 30 year increments. When purchasing level term the face amount and premiums remain level during the term of the policy. The Policy may be renewed at the end of the term, or converted to Whole Life Insurance, depending on the provisions within your policy.
Final Expense Insurance - Final Expense Insurance is insurance that is specifically designated to pay for the Final Expenses of a loved one. According to the National Funeral Directors Association, the average cost of todays funeral is $6,560.00. These prices do not include the cost of a vault (required by some cemeteries), cemetery property, grave markers, flowers, etc. The last thing anyone will leave their family is a funeral bill. With Final Expense Insurance you can have the peace of mind that your friends and loved ones do not have the financial burden associated with your Final Expenses. We also provide our clients with a Final Wishes booklet. The Final Wishes booklet is designed to list all of your final wishes, and the location of all of your important information that will be required by the funeral home. If you live in the Arkansas area and would like to receive one of these Final Wishes Booklets absolutely FREE of charge, please contact us through this site.
Critical Illness Insurance - Critical Illness insurance is designed to assist with Major Medical Co-Pays and costs associated with contracting a critical Illness. In most cases, the benefits are paid directly to the insured. Some of the other benefits of having Critical Illness Insurance is to replace lost income associated with the illness. The benefits can be used to pay your Mortgage, provide for your childrens education, pay utilities, living expenses, and a variety of other uses. Critical Illness Insurance is useful while unable to work due to a covered illness.
Cancer Insurance - Statistics tell us that 1 out of 3 people will be diagnosed with Cancer sometime during their life. When cancer strikes a working individual, it means there will be a tremendous amount of out of pocket expenses. In many cases an individual is forced to miss work for doctors visits, and in some cases they are no longer able to return their normal job duties. Cancer Insurance is designed to pay a lump sum benefit directly to the Insured to cover out of pocket expenses. Many people use these benefits to finance the cost of daily living, and replace income that is lost. You never have to pay the money back, and you keep the benefit even if you survive the battle.
Accident & Dismemberment Insurance - Accident Policies are designed to pay lump sum benefits directly to the insured in the event of an accident related injury. Depending on which plan you select, benefits can be paid for overnight hospital stay, Ambulance transport, Air Transport, loss of eyes, limbs, or even a cash benefit paid to your beneficiary if the insured death is an accident related death.
Disability Insurance - What is the value of your monthly income? Disability Insurance is designed to protect your income in the event that you become disabled. With Disability Insurance you can protect your assets, and meet the needs of your loved ones. Disability Insurance can be purchased on a short term basis, or a long term basis.
Long Term Care Insurance - According to the Genworth 2010 Cost of Care Survey, the annual cost of a private nursing home room has increased from $60,225 in 2005, to $75,190 in 2010. Long Term Care Insurance is designed to pay for care whether in your home, or in a dedicated nursing facility so you wont have to spend down savings or sell assets to pay for the cost.
Group Insurance - We offer Group medical, dental, vision, AD&D, Term Life, Long Term and Short Term Disability, Cafeteria Plans, and many other valuable group benefits through payroll deduction. Your accountant should be able to advise you of any tax benefits you can receive for making the minor change.
Voluntary Group Insurance - Do you want to offer your employees the opportunity of receiving benefits without having to make any accounting changes? We can arrange a time to set up at your facility and consult with each of your employees about some of the same benefits, that can be paid on an individual basis. Remember that a healthy employee is a happy employee.
Individual Dental Insurance - Do you need Dental Insurance, but your employer does not offer it? We offer an individual and Family Dental plan. In some cases there is no deductable. Call us today about find out we can benefit the smile of your entire family.
Business Overhead Expense (BOE) Insurance - BOE Insurance is a disability policy that pays the insured’s business overhead expenses if he or she becomes disabled. A BOE pan pays a monthly benefit based on actual expenses, not anticipated profits. It is designed for businesses that rely on a small number of people (or one person) to produce revenue. Some of the expenses that are covered with a BOE Policy are Rent, Interest Payments on some business debts, Utilities, Employee Salaries, office expenses, equipment maintenance, taxes on the business property, professional memberships and subscriptions, and a variety of other expenses directly related to the overhead expenses of the daily operation of a business.
Key Employee Insurance - Is normally a Term Policy that covers the life of a key employee. A key Employee would be an Employee that is of such value to an Employer that the loss of his life would cause that employer to suffer a tremendous hardship. The business owns the policy, pays the premiums, and is the beneficiary of the policy.
Buy/Sell - A buy sell agreement is a contract that identifies a buyer for your business in the event that you die, become disabled, or retire, and establishes a fair price for your heirs. Owners usually choose from two basic types of buy-sell agreements. With a cross-purchase agreement, each owner of the corporation purchases an insurance policy on the other shareholders. The purchaser is both owner and beneficiary of the policies. Upon the death of a shareholder, the other shareholders are then able to use the life insurance proceeds to purchase the deceased owner’s shares. Another commonly used type of agreement is a stock redemption agreement, in which the corporation owns policies on the lives of the shareholders. When a shareholder dies, the corporation buys the deceased shareholder’s interest in the company with the insurance proceeds.
