Insurance Brokerage

Annuities also come in many forms and are usually a very misunderstood product. We only deal with Fixed Annuities and Fixed Indexed Annuities. Annuities are purchased for their accumulation advantages (Triple Compounding), their tax advantages and their income advantages as they guarantee that the owner won’t out live his or her money during retirement. Triple compounding is the compounding interest on the principal, the principal’s growth and the tax savings. Annuities grow tax deferred.

Disability income insurance is one of the least understood types of insurance, but also one of the most important. Many people mistakenly believe that workers who become disabled will receive disability income either through Social Security, Worker’s Compensation or both. But Social Security disability benefits are often quite restrictive and employees don’t qualify for Worker’s Compensation unless the disabling illness or injury happened on the job. Think of it like this – What is the one asset that pays for all of your other assets? The answer is your income and that is why you should insure it. In exchange for premiums the insurer will provide an income tax free benefit to the insured upon meeting the definition of disability according to the contract. Buy a non-cancellable and own occupation disability insurance policy for the best protection.