Advisor Insurance Resource is a firm committed to providing expert advice and service on disability, life and long-term care insurance policies. Our mission is to provide fast, accurate and knowledgeable solutions to meet financial planning objectives. We provide custom, multi-company comparisons showing the most competitive options within 48-hours of a quote request being received.
We have experience working with attorneys, business owners, consultants, dentists, executives, financial advisors, physicians, surgeons, retirees and top sales people. We take the time to explain the advantages and disadvantages of available options and aid in the policy selection and implementation process. Our continued service will keep both financial professionals and their clients up to date on the status of the policy and newly available options that may increase coverage and/or reduce costs.
Bob's process is very smooth. He is quick to provide quotes and is helpful regarding any questions that I or the clients may have.
We have experience working with attorneys, business owners, consultants, dentists, executives, financial advisors, physicians, surgeons, retirees and top sales people. We take the time to explain the advantages and disadvantages of available options and aid in the policy selection and implementation process. Our continued service will keep both financial professionals and their clients up to date on the status of the policy and newly available options that may increase coverage and/or reduce costs.
Bob's process is very smooth. He is quick to provide quotes and is helpful regarding any questions that I or the clients may have.
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This web site is intended to be used as a tool to help teach the basics and have this material available for easy reference.
Life insurance is an essential part of financial planning.
One reason most people buy life insurance is to replace income that would be lost with the death of a wage earner.
The cash provided by life insurance also can help ensure that your dependents are not burdened with significant debt when you die.
Life insurance proceeds could mean your dependents will not have to sell assets to pay outstanding bills or taxes.
Life insurance is an essential part of financial planning.
One reason most people buy life insurance is to replace income that would be lost with the death of a wage earner.
The cash provided by life insurance also can help ensure that your dependents are not burdened with significant debt when you die.
Life insurance proceeds could mean your dependents will not have to sell assets to pay outstanding bills or taxes.
Disability insurance pays cash benefits to the policyholder in the event the insured is unable to work due to sickness or injury.
That cash benefit ranges from 50% to 70% of income.
The insurance company will not pay more than 70% of income because there must be an incentive to return to work.
If you pay the premium the benefits are normally received free from income tax, if the premiums are paid by an employer, the benefits are taxable as ordinary income.
Elimination Period - It is the period of time the insured must wait after becoming disabled to receive benefits.
That cash benefit ranges from 50% to 70% of income.
The insurance company will not pay more than 70% of income because there must be an incentive to return to work.
If you pay the premium the benefits are normally received free from income tax, if the premiums are paid by an employer, the benefits are taxable as ordinary income.
Elimination Period - It is the period of time the insured must wait after becoming disabled to receive benefits.
Long Term Care is the assistance individuals need when they are unable to care for themselves and need help with Activities of Daily Living (ADLs) - bathing, dressing, transferring, toileting, continence (control of bodily functions), and eating - or they have severe cognitive impairment such as Alzheimer's disease.
The need for long term care can result from an accident, chronic illness or short-term disability, or from advance age.
Long term care can include a broad range of services, provided in any setting outside a hospital.
The need for long term care can result from an accident, chronic illness or short-term disability, or from advance age.
Long term care can include a broad range of services, provided in any setting outside a hospital.
Advisor Insurance Resource provides two levels of service for reviewing trust owned life insurance (TOLI) policies.
The first is a policy evaluation of current cash values, interest rates, surrender charges and projected performance.
This allows us to assure the policy is on track to reach its intended goal.
We also evaluate the market place to determine if the current policy is still a good value.
We will report our findings to you so you can decide with the client what action to take.
This is our Policy Enhancement Program ("PEP"), which is a complementary service to all fee-only financial advisors and estate planning attorneys.
The first is a policy evaluation of current cash values, interest rates, surrender charges and projected performance.
This allows us to assure the policy is on track to reach its intended goal.
We also evaluate the market place to determine if the current policy is still a good value.
We will report our findings to you so you can decide with the client what action to take.
This is our Policy Enhancement Program ("PEP"), which is a complementary service to all fee-only financial advisors and estate planning attorneys.
The material presented on our web site may contain concepts that have legal, accounting and tax implications.
It is not intended to provide legal, accounting or tax advice, you may wish to consult a competent attorney, tax advisor, or accountant.
Note: Any reference to the word guarantee is based on the claims paying ability of the underlying insurance company.
An annuity is a contract issued by an insurance company.
It is a unique financial product that provides tax deferral of interest and capital gains and the option (if funds are annuitized) of a guaranteed monthly income for life.
It is not intended to provide legal, accounting or tax advice, you may wish to consult a competent attorney, tax advisor, or accountant.
Note: Any reference to the word guarantee is based on the claims paying ability of the underlying insurance company.
An annuity is a contract issued by an insurance company.
It is a unique financial product that provides tax deferral of interest and capital gains and the option (if funds are annuitized) of a guaranteed monthly income for life.
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