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.

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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.

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Woman Loses California Gender-Discrimination Suit

A jury soundly rejected Ellen Pao’s claims of gender discrimination by Kleiner Perkins Caufield & Byers, in a case that riveted Silicon Valley for weeks and exposed how women fare in the male-dominated world of venture capital. The verdict followed …

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Controversial Ridesharing Legislation Makes it Through Georgia Senate

The Georgia Senate has passed a slightly tweaked substitute measure to a House bill that apparently clears the way for Uber, Lyft and other ridesharing companies to keep operating in the state. The substitute, which makes minor changes to the …

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Co-Pilot’s Ex-Girlfriend Tells of his Psychiatric Problems; Big ‘Gesture’ Plan

The co-pilot suspected of deliberately crashing an airliner, killing 150 people, had told his girlfriend he was planning a spectacular gesture so “everyone will know my name,” a German daily said on Saturday. The Bild newspaper published an interview with …

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Yemen Conflict Adds to Worries for Ships Dodging Pirates, Terror

When it comes to world trade, a 17-day shortcut trumps terror, piracy and now bombs. That’s the time a supertanker saves by using the Bab el-Mandeb waterway that skirts Yemen at the southern tip of the Arabian Peninsula, rather than …

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ACE Appoints McDonald as Regional General Counsel for Eurasia & Africa

ACE Group has appointed Susan McDonald to the role of regional general counsel for Eurasia and Africa, as it continues to build its management team in its newest business region. Currently legal and compliance manager for MENA, in her new …

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Towergate Gets U.K. Court Nod for Plan to Restructure $1.49 Billion Debt

Towergate Finance plc said it won court approval for its plan to restructure 1 billion pounds ($1.49 billion) of debt. The restructuring will be completed by early April, the U.K. insurance broker said in a statement Friday. The company previously reached an …

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Oaktree-Backed Insurer Seeks to Raise $2 Billion, Plans IPO Within Five Years

Oaktree Capital Group LLC is among investors backing a Bermuda insurance venture that’s seeking to raise $2 billion with plans for an initial public offering within five years. Fidelis Insurance Holdings Ltd. is led by Richard Brindle, the former chief executive officer of Lancashire …

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North Carolina Jury Awards $18 million to Estate of Bus Crash Victim

A jury has awarded $18 million to the estate of a Chapel Hill, N.C., man killed in a charter bus crash almost two years ago. WRAL in Raleigh reports the wrongful death lawsuit sought $52 million, but lawyers for Horizon …

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Georgia State Agencies Preparing for Medical Marijuana Law

In an emotional ceremony in his Capitol office, Georgia Governor Nathan Deal signed an executive order Friday ordering state agencies to start preparations now for the enactment of the state’s medical marijuana bill. Deal said he’ll sign it into law …

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Boston Area Expects a Flood of Claims After Record Winter

After the Big Dig-out, it’s time for the Big Payout. Or will it be the Big Denial? New England’s epic winter is on pace to produce a corresponding number of claims as thousands of homeowners seek to repair damage. Successive …

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NYC Mayor: Someone May Have ‘Inappropriately’ Tapped Gas Line

Someone may have improperly tapped a gas line before an explosion that leveled three apartment buildings and injured nearly two dozen people, New York City Mayor Bill de Blasio said on Friday, March 27, as firefighters soaked the still-smoldering buildings …

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Massachusetts Governor Asks for Snow Disaster Declaration

Massachusetts Gov. Charlie Baker formally asked the federal government on Friday, March 27, to declare a disaster in 10 Massachusetts counties after a relentless series of winter storms brought record snowfall and frigid temperatures, causing 25 deaths and costing the …

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Pennsylvania Workers’ Comp Rate to Decline for 4th Year

The cost of workers’ compensation insurance is declining for the fourth consecutive year in Pennsylvania. The state departments of Insurance and Labor & Industry said on Friday, March 27, that overall rates will decline by 5.99 percent while benefits for …

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Mass. AG Asks DOI to Reject Proposed Fee Increase for MAIP Policies

Massachusetts Attorney General Maura Healey’s office sent a letter to the state’s Division of Insurance (DOI) this week, urging regulators to reject the proposed fee hike in the Massachusetts Automobile Insurance Plan (MAIP), the state’s private passenger auto insurance market …

The article Mass. AG Asks DOI to Reject Proposed Fee Increase for MAIP Policies appeared first on Insurance Journal.

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N.H. Court: Worker Who Fell Asleep While Driving Due Benefits for Crash Injuries

The New Hampshire Supreme Court ruled last week that a worker who fell asleep while driving a company truck and hit a utility pole in the course of his employment is entitled to workers’ compensation benefits for the severe injuries …

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Personal Insurance Federation of Florida Releases TNC Legislation Guidelines

Transportation network companies such as Uber and Lyft represent a promising technology that can serve consumers well in the future, but Florida legislators should clarify the insurance requirements for these services in state law in order to adequately protect both …

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ProSight, Affinity Partner on Golf, Country, Leisure Club Program

ProSight Specialty Insurance and Affinity Agency Group, LLC have partnered to create ClubComplete, a specialized one-stop insurance product for golf, country and leisure club owners and managers. ProSight’s ClubComplete is designed for private golf and country clubs, public golf courses, …

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New Hampshire Senate Delays Workers’ Compensation Reform Deal

New Hampshire state senators have pushed off a deal to reform New Hampshire’s workers’ compensation insurance laws. The chamber voted Thursday to send a tentative deal, which would’ve given providers three years to bring down costs on their own without …

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Los Angeles Woman Awarded $28.2M in Lost Leg Suit Against Kaiser

A Los Angeles jury has awarded $28.2 million to a woman who said treatment delays by Kaiser Permanente doctors cost her a leg. City News Service says jurors found that Southern California Permanente Medical Group was negligent. Twenty-three-year-old Anna Rahm …

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Los Angeles Mayor Backs Retrofit Tax Measure for Quake Upgrades

Saying a big earthquake is inevitable, Los Angeles Mayor Eric Garcetti is supporting a state measure that would offer incentives for people to make their buildings safer during a temblor. City News Service says Garcetti has backed a measure that …

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