Products
Retirement Security Essentials rely on a number of insurance products that are available the carriers we choose to associate ourselves with.
Fixed Annuities
Both Fixed Index and Fixed Rate annuities are instrumental in providing people with the safety that is needed to maintain healthy retirement security. Annuities are the only asset class that are designed to provide an income, when needed, that cannot be outlived, while providing the safety that is needed to keep those assets from losing value through market losses while in deferral. Fixed annuities have undergone numerous enhancements over the past several years. Limited flexibility, static income payments, and loss of control have been replaced by added growth potential, more liquidity features, competitive income features (including the opportunity for lifetime increasing payments), added control and flexibility, and expanded death benefits.
Long Term Care Insurance
The best laid retirement plans can be totally wiped out in the case of a long term care situation. Exploring Long Term Care options is essential to planning for Retirement Security. Two-thirds of people over age 65 will need long term care in their lifetime. In 2010, the National Median Daily Rate for a semi-private nursing home room is $185.00 per day [over $65,000 per year].* Many people are not prepared to pay these costs out of pocket. New tax laws and product innovations in LTCi have made it easier for people to purchase private long term care insurance to help pay for these type of expenses.
*Genworth 2010 Cost of Care Survey April 2010.
Life Insurance
Life insurance is not only used to provide a death benefit to our loved ones. It can be instrumental in business situations, for income needs, for wealth transfer and much more. From simple term cases to complex life insurance planning strategies, no job is too large or too small for our experienced life insurance division. Our team of experts will take you from “I’ve got a guy:” to “getting paid”. Through Markman Group you have access to the top 20 carriers in the life insurance industry. When your client tells you they want to shop around, they can do it all with YOU! Quotes, policy comparisons, complete case design, underwriting expertise, administrative assistance, and anything else you may need to present and close your case are as close as your phone. You can be assured that your client is getting the right coverage with the right carrier for their situation.
Medicare Supplement Insurance
June 1, 2010 brought many changes to the standardized Medicare Supplement plans that are available in most states. These changes bring with them questions that our clients and prospects need to have answered in order for them to make important decisions about which plan is right for them and their personal situation.
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Retirement Security Essentials
Now, more than ever, people need their "Retirement Security Essentials" to come from a source they can rely on!
We believe that retirement savings, required income, and funds to pay for Long Term Care and Health Care are ESSENTIAL to retirement and should come from an insured source.
As an insurance professional you are in a unique position to provide that source for Retirement Security Essentials to your clients and prospects.
Let us help you expand your business, increase your sales, and provide a valuable service to your current clients and future prospects.