Because Preferred Benefits Group has a very extensive selection of companies from which to choose coverage, we are able to select the coverage and financial planning packages that will work best for you. Here's a brief description of the quality services we offer. Please use the quote link to immediately send for more information or a customized quote for that program.
Individual Disability Insurance
|| Individual Life Insurance
|| Buy-Sell Agreements
Deferred Compensation
|| Long-Term Care Insurance
|| Estate Planning
Annuity Planning
|| Mutual Funds
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Individual Disability Insurance
Individual disability insurance is a plan in which you are the sole member and
contributor. In the event of an illness or injury and your subsequent inability to work,
this plan will ensure that you receive an income.
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Individual Life Insurance
Individual life insurance is a plan in which you protect your family and loved ones from
the financial burden of your death. As an individual plan, you are the only contributor.
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Buy-Sell Agreements
This is a contract among the owners of a business to ensure a smooth transition of
ownership in the event of the death of one or more of the owners. The buy-sell
agreement specifies the terms under which the remaining living owners procure the
stake of the heirs of the deceased.
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Deferred Compensation
A group plan in which employees set aside a portion of their earnings in a tax-
deferred payroll savings program with investment options.
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Long-Term Care Insurance
Long Term Care Insurance provides you with coverage for costs associated with elderly care. Depending on the policy, part of your Long Term Care Insurance may be
deductible as a medical expense on your tax return. Part of Long Term Care
insurance premiums may be deductible as well.
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Estate Planning
An insurance plan that, in the event of your death, ensures that your assets are passed to your children or any other heirs in the manner that you decide. Coverage
also includes certain attorney fees and legal costs and reduces federal and state
taxes.
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Annuity Planning
This is a retirement fund usually obtained through your employer. Similar to a 401(k),
the member contributes monies to a fund, which are in turn tax-deferred until
withdrawal at age 59 1/2. The annuities are invested according to the wishes of the
member, through the guidance of a money manager.
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Mutual Funds
A mutual fund is a pool of money that is owned by a group of investors and is invested on its behalf by professional money managers. As an investor, you can state your
investment objectives which will help guide the money manager in making investment
decisions.
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