Call: 385-900-8137 Schedule a Strategic Goal Session for your complimentary report.
Not all insurance is created equal. We have the ability to search through over 50 different insurance companies and thousands of products to find the lowest cost and best product for you. We will continue the process of education and guidance as opposed to sales.
We can use advanced mathematical calculators to help you choose from the different options you have. We have the ability to use a simple strategy of protection to advance strategies that include living benefits that can care for Cancer, Heart Attacks, Major Medical, Long Term Care, Tax-Free Income, and Estate Planning. We will search for the best option out there for you.
Annuities* can be over sold in our industry. However there can be a real need for these types of products for certain situations. If you have compared fixed annuities to CD's or savings account some annuities can give higher guaranteed returns with compounding. Other annuities can lower risk in a overall portfolio and give guaranteed income** for the rest of your life. You First Financial will search for the best options in the market for you.
The statistics are eye-opening. Whether you self-insure or have some form of insurance in place. There should be a strategy in place if a long term care event occurs. We can review what statistics and what costs can look like. To help make educated decisions.
We don't sell insurance with-out understanding your complete situation. Our goal is to find the best options out there and create a plan together.
* Annuities are designed to be long-term investments and frequently involve charges such as administrative fees, annual contract fees, mortality & risk expense charges and surrender charges. Early withdrawals may impact annuity cash values and death benefits. Taxes are payable upon withdrawal of funds. An additional 10% IRS penalty may apply to withdrawals prior to age 59 ½. Annuities are not guaranteed by FDIC or any other governmental agency and are not deposits or other obligations of, or guaranteed or endorsed by any bank or savings association.
**Guaranteed income is typically an additional insurance rider that is purchased at an additional cost. With the purchase of any additional-cost riders, the contract's values will be reduced by the cost of the rider. This may result in a loss of principal and interest in any year in which the contract does not earn interest or earns interest in an amount less than the rider charge.
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