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Long-term care refers to a collection of services that are intended to meet the medical and non-medical needs of disabled or chronically ill patients. These services include social, medical/nursing, and community services. They often require assisting the patient or patients in performing day-to-day tasks like dressing, bathing and eating. Long-term care can be provided for anybody and can be performed in a nursing home, in the individual’s residence or in assisted living centers. PUSH Financial Group assist Clients with Long Term Care Insurance, which is an insurance policy that that helps a patient pay for their long-term care.
PUSH Financial Group help clients set up IUL’s (Index Universal Life) , which the account values grow on a tax-deferred basis, which means that policyholders can benefit from triple compounding. This means they earn interest on the principal, interest on the interest, and interest on the money that would have gone toward taxes. For example, suppose that you invest $10,000 in a mutual fund that grows at 5% per year over the next 20 years. The sale of the mutual fund would generate $26,533 in Capital Gains and $3,978 in taxes at a 15% tax rate. The same $10,000 invested in an IUL policy would result in potentially higher gains (no losses during down years) without any taxes. As well Indexed Universal Life policies Come with a Death Benefit and are not subject to income or death taxes.
An annuity can be used to save for retirement, preserve funds already saved for retirement and to provide a steady stream of income during retirement. They have become a very popular choice for retirement planning, especially with the stock market volatility over the last decade. Annuities are financial contracts between an insurance company and contract owners. Payments into an annuity can be made via a lump sum, or a series of monthly payments to the insurance company. These funds will accumulate on a tax-deferred basis, which can be a tremendous advantage over time. Fixed Index Annuities provide an opportunity for growth without the risk involved with most investments. This is especially attractive to pre-retirees and retirees looking to preserve assets they have built over several decades. Many annuities offer the ability to add optional benefits such as a life-time income rider, which gives clients a guaranteed income no matter how long they live. Our dedicated annuity advisory team is always available to assist our agents in finding the best and most suitable annuity product to fit each client’s needs.
Everyone wants to ensure that their family is protected and provided for no matter what happens. At PUSH Financial Group we have partnered with the top life insurance companies to provide our agents with a comprehensive portfolio of term life, whole life, and Indexed Universal Life insurance products. With these products, our agents are able to offer competitive rates at any level of coverage.
Disability insurance can help you replace a portion of your income when you are sick or injured and unable to work. Many people use disability coverage to provide payments for their mortgage, vehicles, or other household expenses during that difficult time. Having this kind of coverage helps our clients to have peace of mind, knowing that in the event of a disability they will still have a monthly income. Individuals must qualify for disability coverage, which is dependent on a number of factors including current health and medical history, age, and occupation.
Mortgage protection is a simplified, quick issue insurance that is used to protect our client’s greatest asset. Mortgage protection plans are designed to provide a death benefit to pay off all, or a portion of, a client’s mortgage. Optional riders are available in most states, such as disability income and return of premium, which refunds all, or part of, the premium paid if the policy is unused. This product, offered by many of our carriers, can be customized to fit each client’s needs and budget.