Helen Altman-Felsher, MBA founded HAF Insurance to advise individuals and businesses on sustaining financial security and asset protection through all stages of their lives and from one generation to the next. With over 20 years of experience in risk management and expertise in Annuities, Life, Health, Disability, and Long Term Care insurance, Helen is a seasoned expert able to guide her clients to the best value and most suitable insurance programs for their needs.
Every insurance program that Helen recommends utilizes proven products from the most highly rated companies. And, to make certain those insurance programs are expertly coordinated with clients' estate and business plans, Helen routinely works with attorneys, accountants, and financial planners.
Helen is a member of the National Association of Insurance and Financial Advisors, has qualified for Industry Leader recognition, and continually engages in professional education to keep abreast of industry developments and product offerings.
Every insurance program that Helen recommends utilizes proven products from the most highly rated companies. And, to make certain those insurance programs are expertly coordinated with clients' estate and business plans, Helen routinely works with attorneys, accountants, and financial planners.
Helen is a member of the National Association of Insurance and Financial Advisors, has qualified for Industry Leader recognition, and continually engages in professional education to keep abreast of industry developments and product offerings.
Services
Helen Altman-Felsher, MBA founded HAF Insurance to advise individuals and businesses on sustaining financial security and asset protection - through all stages of their lives and from one generation to the next.
As an INDEPENDENT broker committed to acting in the best interests of every client, Helen affiliates with more than 40 top quality insurance companies and works with Attorneys, Accountants, and Financial Planners to ensure that every insurance program utilized is expertly coordinated with clients' estate plan.
As an INDEPENDENT broker committed to acting in the best interests of every client, Helen affiliates with more than 40 top quality insurance companies and works with Attorneys, Accountants, and Financial Planners to ensure that every insurance program utilized is expertly coordinated with clients' estate plan.
Helen Altman-Felsher, MBA established HAF Insurance in 1997 as an independent broker with expertise in annuities, life, health, disability, and long term care insurance for individuals and businesses.
Cases that represent Helen's work over the years include: Group Life, Health, and Disability Insurance for a large medical practice; Group Long Term Care Insurance for a Fortune 100 Company; Disability Insurance for attorneys at a large patent law firm; Disability Insurance for officers and employees of a financial consulting firm; Life Insurance funding for small business owners' Buy-Sell Agreements.
Cases that represent Helen's work over the years include: Group Life, Health, and Disability Insurance for a large medical practice; Group Long Term Care Insurance for a Fortune 100 Company; Disability Insurance for attorneys at a large patent law firm; Disability Insurance for officers and employees of a financial consulting firm; Life Insurance funding for small business owners' Buy-Sell Agreements.
ANNUITIES are tax-advantaged instruments typically used for Retirement planning.
HAF advises clients on the proper use of Fixed Annuities, Fixed Indexed Annuities, and Immediate Annuities - which grow your money tax-deferred, preserve your principal and protect it from any downside market risk, and provide "guaranteed" income for life with residual values passing to heirs, outside the probate process.
Used appropriately, Fixed Annuities, Fixed Indexed Annuities, and Immediate Annuities can play an important role in "Securing Your Future" and providing for retirement.
HAF advises clients on the proper use of Fixed Annuities, Fixed Indexed Annuities, and Immediate Annuities - which grow your money tax-deferred, preserve your principal and protect it from any downside market risk, and provide "guaranteed" income for life with residual values passing to heirs, outside the probate process.
Used appropriately, Fixed Annuities, Fixed Indexed Annuities, and Immediate Annuities can play an important role in "Securing Your Future" and providing for retirement.
LIFE insurance pays your beneficiaries tax-free death benefits and, if your policy is set up properly, the proceeds can be excluded from estate taxes and can pass outside the probate process directly to your heirs.
Life insurance is tax "friendly" in a number of ways.
With whole life and universal life policies, you'll have cash values grow tax-free and, through the loan provision, you'll be able to access a substantial portion of your accumulated cash as a tax-free distribution (during your own lifetime) for whatever your needs - emergency funds, childrens' college tuition, or retirement income.
Life insurance is tax "friendly" in a number of ways.
With whole life and universal life policies, you'll have cash values grow tax-free and, through the loan provision, you'll be able to access a substantial portion of your accumulated cash as a tax-free distribution (during your own lifetime) for whatever your needs - emergency funds, childrens' college tuition, or retirement income.
HEALTH insurance can be an employer provided benefit or it can be purchased directly by you as an individual or sole proprietor.
All "Affordable Care Act" compliant health plans provide "minimum essential" benefits with no overall limitations on your benefit amounts.
For employer-based group health insurance advice and implementation, you can contact Helen Altman-Felsher directly.
If you are a small business or sole proprietor, reach out to Helen and she will guide you to the best solutions available in the market today.
All "Affordable Care Act" compliant health plans provide "minimum essential" benefits with no overall limitations on your benefit amounts.
For employer-based group health insurance advice and implementation, you can contact Helen Altman-Felsher directly.
If you are a small business or sole proprietor, reach out to Helen and she will guide you to the best solutions available in the market today.
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