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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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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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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1411, 2019

Why Millennials Need Life Insurance

By |November 14th, 2019|Financial|

Why Millennials Need Life Insurance Millennials face financial complications that are very different from what their parents and grandparents faced. These complications often push purchasing life insurance to the back burner. But life insurance is the foundation of any financial portfolio. In this article, we will go over several reasons why millennials need life insurance. The Reasons There are several different reasons why millennials need life insurance. The first is that younger people lack equity. [...]

510, 2019

Disability Insurance Riders

By |October 5th, 2019|Financial|

Disability Insurance Riders Disability insurance riders are a way that you can better customize your policy to fit your needs. In this article, we will go over the most common disability insurance riders and what benefits they offer. No Cost/Default Riders There are some disability insurance riders that come with your policy as a default or you can choose to add them on without increasing your premium. You will find a list and explanation of [...]

2308, 2019

Variable Annuities

By |August 23rd, 2019|Financial|

Variable Annuities Variable annuities are a type of investment that is sold by insurance companies. They offer tax-deferred growth and the potential for an income stream during retirement. In this article, we will go over exactly what variable annuities are, how they work, as well as their advantages and disadvantages. A Brief Explanation Variable annuities are entered into as a contract between you and an insurance company. It is an investment account and an insurance [...]

1907, 2019

Viatical Settlements

By |July 19th, 2019|Financial|

Viatical Settlements Viatical settlements allow you to benefit from the value of your life insurance policy before you pass. In this article, we will go over the basics of viatical settlements to help you determine if using one is right for you. What is a Viatical Settlement? Viatical settlements are a type of investment. They allow someone with a terminal/chronic illness to receive cash for their life insurance policy while they are still alive. [...]

706, 2019

Medicaid and Long Term Care Insurance Basics

By |June 7th, 2019|Financial|

Medicaid and Long Term Care Insurance Medicaid and long term care insurance both provide coverage for those who need advanced care. Typically, you would utilize one of these when you need help with daily tasks like dressing, bathing, eating, or using the bathroom. However, there are many misconceptions about both. In this article, we will go over the differences between Medicaid and long term care insurance, what they cover, and help you determine what choice [...]

305, 2019

Common Health Insurance Questions

By |May 3rd, 2019|Financial|

Four Common Health Insurance Questions Even though health insurance is something that is part of most people’s lives, many do not fully understand it. This can cause confusion and make it hard to understand if you have the best policy or not. In this article, we will go over four common health insurance questions to help clear up the confusion surrounding health insurance. What is the Difference Between an HMO and a PPO? HMO and [...]