Annuity Carriers
Great video about one of my carriers North American. Annuity 123 breaks down all of the aspects about the company. As an Independent Broker companies like North American are indispensable to my and my Agency.
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Income Replacement MD,DC,VA
Income Replacement
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 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
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!
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
