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

Income Replacement MD,DC,VA

Income Replacement 

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Comrade Financial Group offers income replacement strategies to replace all or part of your income when you decide to retire. The most important part of this strategy is that the income is Tax Free! If you are still in your working years and looking at diversification of your portfolio, we can help. During your working years this product has death benefit protection that builds and grows under your cash value of the product. This cash value provides an emergency fund, premium flexibility, control over your account, tax deferred and sometimes tax free growth, and competitive growth compared to other products currently offered. We all would like to have an emergency fund, before the emergency. Everyone wants to have the flexibility of lowering a premium payment to help get through a rough patch. We are here to help. Ask us how we can find the solutions for your concerns. Also see our page here for more information. Thank you.

Jack Fleming – Financial Consultant

All about Life Insurance

All about Life Insurance

Comrade Financial Group can offer you quotes in all 50 States for Term Life Insurance. All you have to do is go to the Term Life Quote section and fill in your information and it is that simple. You can obtain the quote for 10,15,20,30 or even longer. Term Insurance is the purest form of Insurance. You, the insured will pay a premium and the Insurance company will provide a death benefit. The older you get, the more expensive it is. So if you are in your 20’s or 30’s, that is the best time to get a 20 or 30 yr term policy. If you are single, then list your parents as beneficiaries. When you get married and have children, then you can change it with a simple form. There are many types of Life Insurance but Term is the cheapest and purest form of Insurance. Many will tell you that it meant a world of difference because a deceased person took the time and effort to get adequate Term coverage. Think about the people that will miss you when you are gone and those are the ones that will share the burden and cost that Life Insurance is there to absorb. Take the time and get a free quote. Thank You

 

Jack Fleming Insurance Broker

All about Disability Insurance!

All about Disability Insurance 

Individual Disability Insurance is a great idea.  It is Insurance designed to replace anywhere from 40-60% of your gross income on a tax-free basis should you become Sick or Ill and keeps you from earning an income. All policies are different and it is very detailed so you can’t really shop online for it. You have to contact an Insurance Broker to find out exactly what you need and expect from the policy. If you work in an office, your premiums will most likely be lower than an Iron worker and vise versa. There is Own Occupation which is the most comprehensive you can get. There are other policies like Income Replacement and Gainful Occupation that pay less but that is the best reason to call someone and discuss your options. No one expects to become Disabled, but it happens and there is Insurance for it. You can also use riders to Life Insurance policies and Annuity contracts that can accomplish the same coverage.

Jack Fleming – Ins. Broker


Comrade Financial Group

It was time to do a blog posting about my Insurance Agency. Some people have asked me why “Comrade”. Most people don’t understand what Comrade actually means. It means “Friend” or “Ally” and of course over the years there have been many meanings to many words. Coming from a Combat Veteran of the 82nd Airborne Division, it is better to be a friend of Jack, than not. I started this Agency with a passion for helping people with their money.

Over the years and in my own life, saving money and getting the best deal I could was a primary concern. I meet people everyday, some I can help and some I can’t, but I have given my best effort in helping them make their lives better. There is no
secret about Insurance, Its there and will be there long after I am gone. But there are masses that still don’t understand it. They just know that if they pay they will be covered. As a Insurance Broker, there is the innate ability to pick and choose what product best fits the needs of the client. I am not Superman, just a dedicated professional with a tireless passion.

If you have found this blog post, we have just had a chance encounter to help make someone’s life a little better. Thank you all for your continued support and word of mouth advertising. It is greatly appreciated. Thank You!

LIFE INSURANCE OWNERSHIP is at 50 Year LOW!

Term Life Insurance: As American Households Depend on Two Incomes Trends Reveal Disturbing Statistics | NewsLI.com

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Great article linked above but truthfully there are some
disturbing facts that are really shocking to me. I deal with
customers every day and the biggest reason why families
dont have quite enough Life Insurance is mainly due finances.
Insurance Brokers are your best bet as far as I am concerned.
They have the freedom and ability to match you with a
product to fit your budget! I don’t have to tell you about what
a premature passing of the sole breadwinner will do, since this
is America and we all need two incomes to supports our lifestyles.
Maybe we only care about ourselves these days. Who cares if JR
will have college paid for. Who cares if MOM will have to go back
to work. Well I care and if you do to, then stop by
Comrade Financial Group and I would be very pleased to help you.

Jack Fleming – Insurance Broker