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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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 [...]

2808, 2018

Save on Term Life Insurance

By |August 28th, 2018|Financial|

Save on Term Life Insurance Life insurance is an important measure that will help your family cover costs if you pass. The most popular and affordable option is term life insurance. You can purchase a term policy that will stay in effect for 10, 20, or 30 years. Because these policies are not guaranteed until your death, just for a certain number of years, insurance companies are able to keep premiums low. In this [...]