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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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 [...]

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 [...]