|
Auto
| Life | Home
| Health | Commercial
AUTO INSURANCE
We Offer:
Car
Motorcycle
Golf cart
ATV
Snowmobile
Motor home
Camper
Trailer
Commercial Auto
Mechanical Breakdown
Classic Auto
For some people, a car expresses the essence of their being. To others,
it's an object to get from point A to point B. We offer a variety
of coverages and companies to choose from, based on your specific
needs.
Depending on the company you choose, you can get discounts for:
Being a Good Driver
Driving a Safe
Car
Having a Homeowner's
Policy with your auto insurance carrier
Other advantages you could enjoy:
Free Windshield
Repair
24-Hour Claims
Hotline
Flexible Payment
Options
Advantages
vary from company to company, and some require the purchase of
certain coverages. We'll review your options with you to find
the company and coverage that are right for you.
LIFE
INSURANCE
The
Value of Life Insurance — Assessing
Your Need — Types
of Life Insurance
We Offer:
Term
Whole
Universal
Variable Life
Variable Annuity
Annuity (IRA)
Roth IRA
Traditional IRA
Simple
SEP
KEOG
401K
Mutual Funds
The Value of Life Insurance
Life insurance is a crucial step in planning for your future and
the future of your loved ones. It can fulfill promises made to
your family if you are no longer around by providing a death benefit
to your beneficiaries in return for premiums paid to the insurance
company. Life insurance can also provide benefits while you are
living.
Advantages
of the Death Benefit
Provides income
tax-free money to your named beneficiary(s) that can be used
to pay funeral expenses, debt, tuition, estate taxes or virtually
any financial need you leave behind.
Can provide
business security by enabling partners to buy out the interests
of a deceased partner and prevent a forced liquidation.
Advantages
of Living Benefits The cash value growth of a permanent life
insurance policy is tax-deferred1,
which means you do not pay taxes on the growth of the cash value
unless the money is withdrawn.
Loans2
or withdrawals can be taken against the cash value of a permanent
life insurance policy to help with expenses, such as college
tuition or the down payment on a home.
1
Accumulated growth may be taxable upon withdrawal. If the policy
is a Modified Endowment Contract (MEC), tax penalties may apply
prior to age 59 ½. Consult a tax advisor on your specific
situation.
2 Policy loans and withdrawals reduce cash
value and the death benefit and may be subject to other charges
outlined in the contract.
return to top
Assessing
Your Need
The amount of life insurance you select should be dependent on
your personal and financial needs. We can assist you in determining
an appropriate coverage amount and help you decide on which type
of life insurance is right for you.
Generally, you should consider life insurance if you have:
A spouse
Dependent children
Aging parents or a physically-challenged relative
who depends on you for support
Retirement savings that is not sufficient to
ensure your spouse's future financial well-being
A sizable estate
A business
Life Changes — So Should
Your Policy
As events happen in your life, your life insurance coverage
may need to change to adapt to your current needs. Some life
changes that may require you to reevaluate your coverage include:
marriage, divorce, a new baby, purchase of a new home and retirement.
return to top
Types
of Life Insurance
There are several different types of life insurance products available.
The most common include:
Term Life Insurance
Term provides life insurance protection for a specified period
of time. If you do not currently have life insurance, term can
be a good place to start. It's generally less expensive than permanent
life insurance, and is available in varying term periods with
fixed premiums from a one- (annual renewable term) to 30-year
period (level term). Furthermore, term insurance is sometimes
convertible to permanent coverage, providing you with flexibility
as your needs change.
Whole Life Insurance
Whole life is a form of permanent life insurance that remains
in force during the insured person's lifetime, provided premiums
are paid as specified in the policy. Whole life insurance can
build cash value.
Universal Life Insurance
Universal life is a form of permanent life insurance characterized
by its flexible premiums, flexible face amounts and unbundled
pricing structure. Universal life can build cash value, which
earns an interest rate that may adjust periodically, but is usually
guaranteed not to fall below a certain percentage.
HOME
INSURANCE
We Offer:
Home
Renter
Condo
Dwelling/Fire
Personal Umbrella Liability
Earthquake
Flood
Personal Article
Scheduled Property
Builder's Risk
Identity Fraud
Boat
Personal Watercraft
Your home is probably your most valuable asset, both as an investment
and as your sanctuary in a hectic world. When your home is damaged
or destroyed, you need your claim settled by an insurance company
that understands this simple fact. Coverage availability and prices
may vary by company. We can help you determine which of several
companies we represent will best meet your needs and provide the
most valuable combination of tailored coverage, quality service
and fair pricing.
Depending on
the company you choose, you can get discounts for:
Having a burglar
alarm
Having a newer
home
Being claim
free in the past
Insuring your
vehicles with the same company
Other advantages you could enjoy include:
Repair Guarantees
24-Hour Claims
Hotline
Flexible billing-including
coordinating with your mortgage company
Living expense
if your home becomes uninhabitable due to a claim
Access
our secure quote form and we will contact you.
return to top
HEALTH INSURANCE
We offer:
Individual Health
Group Health
Dental
Vision
Long Term Care
Accident
Cancer
Disability
HSA's
Medicare Supplement
and more
A
business that offers health insurance has a major advantage in
competing for qualified workers. Now, more affordable small business
health insurance is available to companies of any size. There
can be direct profit and loss benefits, too: health insurance
premiums paid by the business may reduce payroll taxes and business
income tax.
COMMERCIAL
INSURANCE
We offer:
Worker's Compensation
Office
Retail
Service
Manufacturing
Excessive Liability
Rental Dwelling
Builder's Risk
Mono Line Auto
Bonds
Wholesale
Intuition
Trade Contractor Program
And More...
Ask GLG about commercial insurance to protect your capital assets,
from computers to delivery trucks. You should also make sure of
having ample liability coverage in case of an adverse legal judgment.
With the right insurance, your new enterprise will have a valuable
safety net.
WE ALSO OFFER "Pre-Paid Legal"
return to top
|
