 Life and Health
|
We put your family first at our insurance company. Whether you are newlyweds, young parents, or have just purchased a new home, your financial future is important. We can help you prepare for that future with a wide selection of life insurance plans to suit your needs. Let us help take the confusion out of insurance and give you the peace of mind you want.
Our agency has a staff of qualified professionals who specialize in all areas of insurance and financial services. It is our goal to meet the varying needs of both personal and business consumers by providing products and services such as: |
Term Life Coverage
Consider term life insurance if you only need coverage for a limited period of time - 5 or 30 years. A death benefit is paid only if you die during the specified term of the policy. No cash values accumulate, making term costs less thatn permanent insurance coverage.
Whole Life Coverage
Whole life insurance offers you a guaranteed fixed premium for the duration of the policy, a guaranteed death benefit.
cash values that can be designed to meet specific needs
an ideal vehicle for estate and business insurance planning
flexibility when used with buy/sell agreements, key employee plans, executive bonus and split dollar plans
a variety of dividend options
Universal Life Coverage
Universal life insurance (UL) allows you to make an initial payment on the policy with the flexibility to make subsequent payments nearly any time and in any amount. The UL policy will stay in force as long as there is enough cash value to cover the premiums.
|
Variable Universal Life
Whether your goal is life insurance protection, asset accumulation or the efficient access and transfer of cash, variable universal life insurance (VUL) gives you the flexibility you need to conduct your own financial success. As with any insurance policy, a portion of your premium goes to provide life insurance protection. But VUL also is considered an investment, and a portion of your premium payment can be directed into various investment options. Variable universal life insurance is a valuable financial tool that can help you reach your investment goals and meet your insurance needs.
Corporate Owned Life Insurance
Corporate benefit VUL (CBVUL) is a powerful variable universal life insurance polity that can be a valuable solution to changing financial challenges faced by business owners. As your business grows and evolves, you may want to consider CBVUL to provide rewards for key employees, to plan for the continuation of your business, to provide insurance coverage for key employees or for other business needs.
Survivorship Life
Survivorship life (also referred to as Second-To-Die Life) is a form of life insurance which insures two people and pays benefits only after the second person dies. It's generally designed to provide funds to pay estate taxes.
|
Financial Solutions
David Myers is a National Quality Award recipient and has qualified for Ameritas Acacia's Production Convention. We specialize in company retirement plans as well as personal and investment needs. Let us show you how, by implementing a few adjustments, we may make it possible for you to recover thousands of dollars over your lifetime.
Variable Annuities
A variable annuity offers you the flexibility of investing in one product with multiple investment options. You can select the options to match your investment strategy. As personal needs or outside economic conditions change, you can change your investment options without incurring immediate tax consequences.
Traditional Annuities
An annuity is a contract between you and an insurance company, which provides for future income payments in exchange for your investment now. They are long-term investment vehicles that make excellent retirement savings products since any earnings grow tax-deferred.
Tradidional annuities provide:
Guaranteed interest rates
Low administrative fees
allows flexible withdrawal options tailored to individual needs
|
Mutual Funds
Mutual funds are popular investment vehicles because they offer portfolio diversification, professional management, liquidity and convenience.
A mutial fund is a professionally managed investment that sells shares to investors and takes the capital it raises and purchases stocks, bonds, money market securities or other securities. Any earnings the fund realizes on its investment portfolio less the expenses of managing the fund, are paid out to the fund's shareholders.
Mutual funds are distributed through Ameritas Investment Corp.
Investments
I can connect you to a full spectrum of investment products, backed by outstanding service and the latest research. But first, we listen to best determine your specific financial needs and investment priorities.
Investments distributed through Ameritas Investment Corp. (AIC)
Survivorship Life
Survivorship life (also referred to as Second-To-Die Life) is a form of life insurance which insures two people and pays benefits only after the second person dies. It's generally designed to provide funds to pay estate taxes.
|
The Insurance People