Hybrid Life and LTC

Featured Product: Securian Financial / SecureCare Universal Life

SecureCare gives you simplicity, freedom and flexability to choose how you want to use your benefits. And it gives you and your family financial peace of mind – knowing you’ll have the long-term care coverage that’s right for you.

Some Highlights

  • Return of Premium
  • Cash Indemnity
  • Freedom
  • Inflation Protection
  • Income, tax-free benefit
  • Simplified claims process

Life

Product Highlight: AIG Value+ Protector

Value+ Protector is an index universal life insurance product designed to help serve your clients’ long-term needs for personal and business financial security. It combines many of the advantages of guarnateed universal life insurance with special features and crediting strategies that help reduce costs and deliver maximum value.

-Death benefit can be guaranteed to age 100.
-Cash Value Growth is linked to market index performance.

Access to Cash

Unique provisions for accessing excess cash value in the policy without reducing initial death benefit and in come cases increasing the death benefit. Other options include living benefits that accelerate the death benefit, thus protecting other family assets from being depleted to support a chronic illness or longevity.

Annuity

Who should purchase the Safe Income Plus annuity?

If your looking for a retirement solution similar to a pension for a fixed retirement income stream, the F&G Safe Income Plus annuity is a great option.
Pre-Retirees and Retirees that want to know today what your fixed income stream could be tomorrow.
The income payouts (not annuitization) are higher than most other fixed income annuities with income riders, and the income can double for eldercare purposes down the road.
As of now, you will get up to an 8% Bonus.
There are 10% penalty-free withdrawals after the first year if you need access to funds.

 

Optional Income Rider
This will provide you an income stream you will never outlive, and enhance that income payment if you can’t perform 6 out of 8 Activities of Daily Living. Currently, your income payment will enhance to 200% if the contract is based on a single person, and 150% if your contract is based on two persons. Consider this a benefit to help pay for eldercare needs in the future such as long term care. You can turn this income stream on and off throughout your years. The current annual rate guaranteed in 1st 10 years is 7% compounded rate.

Additional access to your money:
Home Health Care Rider-Surrender Charges and MVA are waived if you require services provided by a licensed Home Health Care Provider, and unable to perform 2 of 6 Activities of Daily Living (Bathing, Eating, Dressing, Toileting, Transferring, and Maintaining Continence).
Nursing Home Benefit-You will have 100% access to your account after 60 days in the confinement of a qualified care facility. This benefit is available starting in year 2 of the contract.
Terminal Illness Rider-100% access to the account if diagnosed of less than 1 year to live. This benefit is available starting in year 2.
Death Benefit Options-Lump sum based on accumulated value or spousal continuance options available.

Long Term Care

Mutual of Omaha CustomCare LTC – Traditional Long Term Care product that offers your client an ala-cart of riders and benefit amounts. This is one of our top selling traditional Long Term Care products as it has a built in Home Health Care CASH option that will pay 40% of your benefit amount based on the client not being able to perform 2 of the 6 ADL’s.
Mutual of Omaha LTC Underwriting is also one of the most competitive companies your will find in our industry at this time as they will even consider diabetics where most companies will not.
This is also one of the best priced products for Long Term Care in our industry that you can still have the following riders:

  • Return of Premium
  • Survivor Benefit
  • Shared Care
  • Inflation (that has many options available)

Mutual of Omaha’s CustomCare LTC also offers Couples/Partner discounts even if only one purchases the plan.

Disability

Highlighted Product:

Illinois Mutual – Personal Paycheck Power Disability Income Insurance
 

  • Guaranteed Renewable to age 67
  • Base Benefits receive in addition to Social Security or workers’ compensation.
  • 24-hour coverage, 7 days a week, on or off the job
  • Coverage if you are Totally Disabled from your own occupation for a specified period of time.
  • Return of Premium Rider can be added.
  • Guaranteed Insurability rider can be added.
  • Discount on both policies if Business Overhead Rider is added.
  • Many occupational classes not covered by most other carriers:
    • Roofers
    • Farmers
    • Nurses
    • Dentist
    • Chiropractor
    • Stay-At-Home Parent

Dental

Not available in WA

With A Spirit Dental Plan:

No Waiting Periods
Choose Your Own Dentist Option
Three Cleanings Per Year
Implants and Major Services Covered
Lifetime Deductible
Up to $5,000 Annual Maximum Beginning Year Three
Optional Vision
30 Day Satisfaction Guarantee
Optional Vision Insurance Available

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Contact Form

Phone: 800-236-1527
Fax: 612-392-7644

Email: info@visins.com

Physical address: 116 East Main Street, Panora, Iowa 50216

Mailing address: PO Box 185, Panora, Iowa 50216