Insurance2019-03-11T20:39:53-07:00

LIFE INSURANCE

Sometimes life throws some unexpected curve balls our way. Life insurance is a cost effective way to ensure that your family is taken care of.

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ANNUITIES

Guarantees are important when it comes to your retirement and financial planning. Annuities can provide safety and security in your plan.

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OTHER INSURANCE

As an Independent Insurance Agency WGF brokers many types of insurance, however our focus is accommodating and integration with financial planning…

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1503, 2019

6 Things to Look for When Shopping for Disability Insurance

By |March 15th, 2019|Financial|

Shopping for Disability Insurance Shopping for Disability Insurance can be tricky. There are so many companies, options, and add-ons that it can be confusing. In this article, we will go over six things to look for when shopping for disability insurance. These will help you to sift through some of your options. Definition of Disability Each policy will have its own definition of what qualifies as a disability. When shopping for disability insurance, you want [...]

102, 2019

Universal Life Insurance

By |February 1st, 2019|Financial|

Universal Life Insurance Policies Universal life insurance is a type of permanent life insurance. It provides you with coverage for your entire life at a much lower price point then whole life insurance. In this article, we will go over the basics of universal life insurance to help you determine if purchasing one is right for you. The Basics Universal life insurance is a type of permanent life insurance that offers low premiums and flexibility. [...]

2812, 2018

Annuity Myths Debunked

By |December 28th, 2018|Financial|

Annuity Myths Debunked Annuities are an often-misunderstood investment option. They can be complex, and offer many different features, which scares some away from utilizing them. In this article, we will go over common annuity myths and debunk them. Myth 1: All Annuities Are the Same Annuities have a large range of options. There are several different categories and subcategories. Such as immediate and deferred annuities. As well as fixed and variable annuities. You can also [...]

3011, 2018

Modified Endowment Contracts

By |November 30th, 2018|Financial|

Modified Endowment Contracts Modified Endowment Contracts, or MECs, refer to the tax qualification of some life insurance policies. In this article, we are going to go over exactly what modified endowment contracts are, their taxation, and how a life insurance policy qualified as one. Technical and Miscellaneous Revenue Act The Technical and Miscellaneous Revenue Act of 1988, or TAMRA, was the act of legislation that created modified endowment contracts. It prevents a taxation loophole. Before [...]

211, 2018

Why You Need a Long Term Care Plan

By |November 2nd, 2018|Financial|

You Need a Long Term Care Plan A long term care plan is an important component of any financial plan. Any type of long term care, whether it is in a nursing home, at home, or adult day care, it is very expensive. Because of this you need to plan in advance. In this article, we will go over several reasons why you need a long term care plan. Large Need for a Long Term [...]

2809, 2018

SHOP Basics

By |September 28th, 2018|Financial|

SHOP Basics SHOP stands for Small Business Health Care Options Program. The SHOP allows small business owners to be able to offer Health Care coverage to their employees. In this article, we will go over SHOP basics so that you can successfully enroll in a plan for your small business. Eligibility The first step is to determine if you are even eligible for SHOP coverage. To qualify you must meet the following requirements: Have 1-50 [...]