About our Insurance Agency

We put together a quick video telling the world a little bit about why we started, what we do and why we do it. Enjoy and share with your friends. Thanks

All About Annuities

All About Annuities!

I really wanted to do a blog post about Annuities! In this Economic environment, you really can’t earn a decent return using CD’s. Okay, if you want 1%, that is fine, but with the inflation rate around 3%, you are going backwards. Annuities right now are giving 2 to 3 times that with simple Fixed Annuities. There are many carriers out there offering a variety of products like Fixed Annuities, but their rates are not that much above what you can get for a long term CD. The key is looking for the right Carrier.  The best thing or concept I love about Annuities is that you will and can earn Interest on the Interest you already earned. So that is compounding in its most simple form. If you have some savings, a underperforming 401K, or you are just looking to start a rock solid Retirement Plan. I strongly suggest looking into Fixed Annuities as part of your Retirement portfolio.   Remember that some Annuities will offer Withdrawal options, some at 5% and some at 10%, these are penalty free. Heck some carriers are offering Premium bonuses just to get one started. Also another important thing to remember that just like any other Insurance product, read everything and make sure you understand it. That is where Comrade Financial Group can help. No Pressure, just information.

Jack Fleming – Insurance Broker

 

Individual vs. Group Health Plans

                  Individual vs. Group Health Plans

There are first some basic fundamentals about insurance.
The first one is that Insurance is by definition the method
of reduction of risk by spreading the risk to many people.
There is a law of large numbers that is applicable for any
Insurance to work. The Insurance companies use mortality
tables and actuaries keep detailed data on Health trends as
well as Life expectancy. So therefore If you are one person
looking for specific type of Insurance, then you might have
a very high premium. However if you are just like or very
similar to a large group of people seeking Insurance for
a common thing like Life Insurance, then your premiums
will be lower. Health Insurance is based mostly on Family
history and risks that are known, either by you answering
a question on the application, or from past Dr. visits and
past medical history. So if 7 people from your family have
all passed away from Heart Disease, then expect your
premiums to be higher. The most important thing with
any Insurance policy is to have a great agent. You can find
one at Comrade Financial Group. Then once you get a
policy, read, read, read and then ask plenty of questions.
Just remember that no question is a stupid questions. It’s
your Life, It’s your Health so step up and educate yourself.
Thanks again for supporting my agency and my blog and I
will be happy to answer any questions that come my way.
Jack Fleming Ins. Broker

Family Health Insurance

                     Family Health Insurance
family
The Family policies you can find on my website are
specifically designed for growing families. All you
have to do is log onto Comrade Financial Group and
select your plan, select your carrier, select your coverage
and then you can apply online and have coverage for
the ones you love. If your budget is tight, don’t let
that be a deterrent. We are Insurance brokers that
basically take your information, and then find the
best plan that suits your needs. Through negotiated
contract rates for national carriers, we can offer the
most competitive quotes in the industry. Insurance
policies are like homes or cars, one size does not fit
all, contrary to popular belief. Your needs as a family
are constantly changing and we are here for you so
call and log on for a free quote.
Jack Fleming Ins. Broker