We can help develop a plan that’s right for you

National Retirement Group has the products and services you need to establish and implement a comprehensive Insurance plan. We shop and compare quotes from several different carriers, to help you maximize your coverage and minimize your premiums.

Every family has different needs and desires, therefore, we offer a wide range of product solutions. Here is a brief description of our Insurance products:

• Term Life Insurance offers you coverage on your life for a pre-set amount of time (typically 10, 20, or 30 years), providing ideal coverage for needs that will diminish over time such as a mortgage. If you pass away while the policy is in force, your beneficiaries will have the capital they need to live the life you intended for them. The premiums are usually guaranteed not to increase during the stated time. Of the many types of Life Insurance policies, Term Life is the least expensive because the coverage is limited to the pre-set time period and the policy has no surrender cash value.

• Whole Life Insurance (WL) is often referred to as permanent Life Insurance, since it offers coverage for your entire life. A Whole Life policy typically has guaranteed premiums. WL also builds guaranteed cash value on a tax-deferred basis that can be accessed during your life. Because of these guarantees, and access features, Whole Life policies typically have the highest premiums. The lifetime coverage makes Whole Life well suited for needs that will not diminish, such as final expenses, establishing an inheritance or paying estate taxes.

• Indexed Universal Life Insurance (IUL) offers death protection and living benefits. IUL can accumulate cash value that may be accessed during the insured’s lifetime. Of the Life Insurance policies, an IUL policy is the most customizable. One example of this is some IUL policies offer the ability to flex the premiums up or down depending on your financial needs or desires. You can also design a IUL policy to have fixed guaranteed premiums payable for life but minimize the cash value build up potentially giving you a lower cost permanent policy than Whole Life.

• Long-Term Care Insurance Planning (LTCP) is an essential piece of any financial strategy. LTCP is about evaluating your financial situation and determining what solution would be the best for you should you ever require Long Term Care (LTC). Requiring LTC simply means needing assistance with the activities of daily living such as transferring or preparing meals. Our Insurance Specialists will help you design a plan that will both protect your assets and provide the funding to give you a quality of life options such as receiving care/assistance in your home.

If you would like more information or a customized quote on a Whole Life, Indexed Universal Life, LTC or other types of insurance, please visit with a National Retirement Group professional.

Most people know life insurance can help provide financial security and continuity during one of life’s most difficult times: the death of a loved one. What few people know is that life insurance can also help during another one of life’s most difficult times: a chronic, critical or terminal illness. This help comes in the form of optional riders called Accelerated Death Benefit Riders, also generically known as Living Benefits, which can be added at no additional cost.*

Download this file to your computer and fill in your information to determine how much insurance you may need.Download (XLS, 35KB)