Insurance Services

Twin Rivers Financial Group is dedicated to providing it’s clients with all their insurance needs. We are contracted with many of the largest Life, Health, and Annuity companies and we operate independently which allows us to “shop around” for the best products, benefits, and price for each individual client. We can offer Major Medical plans, Medical Supplement plans for our “over sixty-five” folks, dental, vision, critical illness, disability insurance, final expense plans, and life insurance for every contingency.

One of the best health insurers we have found is United Health One (Golden Rule). At this time, everyone is unsure what the new rules of PPACA will do to a person’s health insurance, but we know benefits will change, many benefits may be dropped, and undoubtedly premiums will increase, most likely, quite substantially.

Any Health plan purchased from United Health One now will guarantee your benefits through the balance of 2013 AND through 2014. This could mean tremendous savings for our clients.

We have added an online insurance quote form so you can see what United Health One can do for you and your family. You can choose the options you want, see the cost, compare insurance plans & options and actually buy the insurance online, all in the privacy of your home. No agent or salesperson will call and your information is kept strictly confidential.

Please try our Online Insurance Quote by clicking here: Insurance Quote (Link will open in a new window)

If you need additinal help or information please contact us with any questions or help you may need.

Twin Rivers Financial Group Inc.
7200 270th Road
Miller, NE 68858-2052
Tel: 308-440-4111
Fax: 308-457-3181

More about United Health One:
UnitedHealthcare provides a full spectrum of consumer-oriented health benefit plans and services to individuals, public sector employers, and businesses of all sizes, including more than half of the Fortune 100 companies. The company organizes access to quality health care services on behalf of more than 26 million individual consumers today, contracting directly with more than 754,000 physicians and care professionals and 5,400 hospitals to offer them broad, convenient access to services nationwide. UnitedHealthcare is one of the businesses of UnitedHealth Group (NYSE: UNH), a diversified Fortune 50 health and well-being company.

Tags: , , , , , , , , ,

Annuities, A Strong Retirement Tool

Annuities, A Strong Retirement Tool.

Many people, when they hear the word “annuities”, tend to want to escape to another planet. They really don’t know what an annuity is or what they can do for a good retirement plan, and that is too bad because an annuity used in a retirement plan can give the retiree so many benefits. Particularly, in an economy such as we have now. The stock market is and hopefully always will be a good choice for building retirement funds, “over a long haul”, but because of it’s volatility, timing becomes a priority consideration.

Consider what your retirement portfolio would have looked like if you retired right after the crash of the market in 2007 and 2008. Money market funds have been dismal, 401K’s not much better, and CD’s are abhorrent.

There are many advantages to diversifying into annuities. There are annuities to fit almost anyone’s needs in retirement. And, it is a misconception that an annuity ties up your funds for a long time.

First of all, an annuity is a contractual agreement between an individual and an insurance company. An individual gives an insurance company his/her investment dollars in what is called the “building phase”. For this investment, the insurance company guarantees to do a number of things. One of the most basic is, they promise to make regular payments to the contract holder at a later date, in effect, after retirement, and usually these payments last the lifetime of the annuity holder and can continue payments to a surviving spouse over a length of time or a one-time payout.

Money placed in an annuity can grow tax-free until funds are withdrawn. If money is withdrawn early or the contract is terminated by the owner, ordinary tax is paid on the “gain” of the annuity only.

When you purchase an annuity, the size of the ultimate payments you will receive depends on several factors: How much money you put into the plan, how old you are at the time of investment, and how long before you start withdrawing the funds.

There are many different types of annuities. A fixed annuity can be “immediate” or “deferred”. This one guarantees you an interest rate, and one can start drawing on it immediately, or they can let it grow (deferred) as the interest it earns is compounded and added to the value of the contract.

Another type is a “Fixed Indexed Annuity” which is most popular when one has a fairly long period of time to allow it to grow. This one allows you many choices of indexes, but how it works is, you choose an index such as the Dow, S&P500, Nasdaq, or a blended index (a percentage of four different indexes). Whenever the market goes up one earns a percentage of the increase. The greatest benefit is that when the market goes down, you don’t lose a penny as you do not actually own the stock. Annuities always guarantee your initial investment as long as you maintain it full term.

Another derivation of this type is the (Hybrid) Fixed Indexed Annuity which for a fee, guarantees you a certain percentage will be paid (Now around 6% for most companies) on your investment every year of the contract. This is in the form of a rider and has a cost to add it to an annuity, and these funds cannot be taken out in a lump sum, but will be paid out for life, even when your original investment is depleted. Also, most offer the advantage of taking out up to 10% of the accumulation value per year after the first year with no penalties, should a need arise for cash. Also, there are no fees for purchasing or maintaining an annuity. Every dollar one invests in an annuity begins earning value immediately. Also, many companies offer a bonus when you purchase an annuity which is immediately credited to your contract.

So the main advantages of an annuity are: The potential for growth and no risk of losing money, most allow you to add to a contract at it’s original rate for up to three years, Free withdrawals of up to 10% of your paid premium, flexible income options, including lifetime income.

In today’s economy, an annuity offers more potential growth and safety than just about anything else available and should be the obvious choice for anyone who wants to eliminate the risk of losing what they have spent a lifetime accumulating.

Tags: , , , ,

550 West Virginia Coal Miners Flunk Drug Tests

In the last two years, more than 550 West Virginia coal miners have temporarily lost their mining certifications because they failed a drug test. State Office of Miner’s Health, Safety and Training Eugene White released the numbers to a legislative …

The article 550 West Virginia Coal Miners Flunk Drug Tests appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Georgia Estimates Insured Storm Damage at $6 Million

The Georgia Insurance Commissioner said consumers have reported multimillion dollar insured losses from a storm that included several tornadoes. Commissioner Ralph Hudgens said that reported damage from last week’s storm is estimated to be roughly $6 million. Hudgens said consumers …

The article Georgia Estimates Insured Storm Damage at $6 Million appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

North Carolina Opens Hearing on Homeowners Rate Hike

North Carolina’s insurance commissioner on Monday began deciding whether to allow homeowners’ coverage costs to rise by as much as 35 percent even as some insurers demand even higher rates in agreements with customers. Craig Smith has seen the annual …

The article North Carolina Opens Hearing on Homeowners Rate Hike appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

ACE’s Greenberg Says Failure to Renew TRIA ‘ Shameful’; Defends Ebola Underwriting

The failure of Congress to renew federal terrorism reinsurance legislation is “shameful” because both political parties know it needs to be done and their differences are minor, an insurance executive said today. Evan G. Greenberg, chairman and CEO of ACE …

The article ACE’s Greenberg Says Failure to Renew TRIA ‘ Shameful’; Defends Ebola Underwriting appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

EPIC Hires Walsh as Executive Liability, Financial Lines Principal in Conn.

Retail insurance broker EPIC (Edgewood Partners Insurance Center) has hired John Walsh as principal of Executive Liability and Financial Lines insurance. Walsh will be based in Stamford, Connecticut, and will report to Steve Levene, managing principal of EPIC Risk Solutions. …

The article EPIC Hires Walsh as Executive Liability, Financial Lines Principal in Conn. appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

MEMIC Hires Comer as Senior Production Underwriter in Virginia

Workers’ compensation insurer The MEMIC Group has hired Roger Comer as senior production underwriter to serve its agents in Northern Virginia and Maryland. Comer is based in The MEMIC Group’s Tysons Corner, Virginia, office. Roger Comer brings more than 12 …

The article MEMIC Hires Comer as Senior Production Underwriter in Virginia appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

New York Says It’s Ready for Ebola, but Many Health Workers Aren’t So Sure

Millicent Gist, a receptionist at Montefiore Medical Center in the Bronx, was surprised to hear her facility was an officially designated hospital for people suspected of having Ebola in New York City. That’s disturbing, Gist said, because she’s often the …

The article New York Says It’s Ready for Ebola, but Many Health Workers Aren’t So Sure appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Average Claims Experience Not Enough to Retain Personal Lines Customers: Accenture

Although a large majority (86 percent) of insurance customers who have submitted a claim in the past two years are satisfied with how it was handled, 41 percent of those who have submitted a claim are still likely or very …

The article Average Claims Experience Not Enough to Retain Personal Lines Customers: Accenture appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Kentucky OxyContin Case Against Purdue Pharma Leads Fight Over Opioid Abuse

No one rises as Circuit Judge Steven Combs enters his courtroom in Pikeville, Kentucky. Combs wears a white shirt and yellow tie, no robe. Lawyers approach the bench as their cases are called, shake the judge’s hand and exchange small …

The article Kentucky OxyContin Case Against Purdue Pharma Leads Fight Over Opioid Abuse appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Western World CEO Mulligan to Retire; COO Livingston to Succeed

Thomas F. Mulligan, president and chief executive officer, of Western World Insurance Group announced that he is retiring effective Jan. 1, 2015, after 33 years of continuous service. While Mulligan will continue to participate on the Western World board of …

The article Western World CEO Mulligan to Retire; COO Livingston to Succeed appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Heffernan Acquires Pilot Employee Benefits in New York

Heffernan Insurance Brokers announced it has purchased the assets of Pilot Employee Benefits of Melville, New York. Family owned and operated for over 50 years, Pilot Employee Benefits has developed benefits programs and services for a wide variety of companies …

The article Heffernan Acquires Pilot Employee Benefits in New York appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Update on Ebola in U.S.: New CDC Protocols, Rapid Response Team, Czar

The United States issued stringent new protocols on Monday for health workers treating Ebola victims, directing medical teams to wear protective gear that leaves no skin or hair exposed to prevent medical workers from becoming infected. The new guidelines from …

The article Update on Ebola in U.S.: New CDC Protocols, Rapid Response Team, Czar appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

‘Fangate” Stirs Florida Insurance Industry Fears Over Gubernatorial Election

If Florida’s insurance industry was looking for any certainty about the results of the looming governor’s race between Governor Rick Scott and former Governor Charlie Crist, they didn’t find it after last week’s gubernatorial debate, which almost did not happen …

The article ‘Fangate” Stirs Florida Insurance Industry Fears Over Gubernatorial Election appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

SterlingRisk Insurance Launches Aircraft Business Income Cover

SterlingRisk Insurance, a privately-owned brokerage based in Woodbury, N.Y., has launched aircraft business income coverage designed for both the aircraft owner and operator to protect their expected charter revenue from loss due to unscheduled maintenance and cancelled flights. The product …

The article SterlingRisk Insurance Launches Aircraft Business Income Cover appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Jury Finds Guardrail Maker Trinity Cheated Government; Liability Could Top $1 Billion

Trinity Industries Inc. faces a potential liability of $1 billion after a jury found the company defrauded the U.S. by deliberately withholding information about cost-saving changes to its highway guardrail system that potentially made it more dangerous. Jurors in Marshall, …

The article Jury Finds Guardrail Maker Trinity Cheated Government; Liability Could Top $1 Billion appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Air Bag Recalls Renew Doubts About Carmakers’ Responses to Defects

A deepening crisis involving deadly air bags is shaking confidence in the ability of automakers including Toyota Motor Corp. and Honda Motor Co. to ensure the safety of millions of U.S. drivers. Toyota is advising U.S. owners to keep passengers …

The article Air Bag Recalls Renew Doubts About Carmakers’ Responses to Defects appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

EEOC Investigating Mandatory Retirement Age for Law Firm Partners

The Equal Employment Opportunity Commission is investigating whether mandatory retirement provisions at Deloitte LLP violate federal employment law. The American Institute of Certified Public Accountants, the trade association for the profession, entered the fray yesterday, essentially urging the EEOC to …

The article EEOC Investigating Mandatory Retirement Age for Law Firm Partners appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Wells Fargo, Telemundo Partner on Financial Literacy Campaign for Hispanics

Wells Fargo of San Francisco has partnered with Miami-based media giant Telemundo for a six-week media campaign targeting financial literacy within the Hispanic community. Launched Oct. 13, “Conversemos de Tus Finanzas” is focused on empowering Hispanics to enhance their financial …

The article Wells Fargo, Telemundo Partner on Financial Literacy Campaign for Hispanics appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Aon Activates Ebola Response Task Force, Launches Ebola Response Room

Aon plc has activated the Aon Ebola Response Task Force, a team comprised of risk and health professionals worldwide, to monitor the current Ebola outbreak and provide guidance to clients directly and through its newly created Aon Ebola Response Room. …

The article Aon Activates Ebola Response Task Force, Launches Ebola Response Room appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Hardy Promotes Wright in Asia; Hires Bond and Osorio in London

Hardy Underwriting Asia Pte Ltd (Hardy Asia), a subsidiary of CNA Financial Corporation, has promoted Chris Wright as director and principal officer for Hardy Asia. (Hardy is a specialist underwriting business operating within Lloyd’s of London.) In this role, Chris will …

The article Hardy Promotes Wright in Asia; Hires Bond and Osorio in London appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,