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: , , , ,

Traffic Fatalities Rose 16 Percent in Utah in 2014, Report Shows

The Utah Department of Transportation says 256 people died on roadways across the state in 2014, up 16 percent from 2013. It was Utah’s highest death toll since 2008, and it reversed a trend that saw fatalities drop 41 percent …

The article Traffic Fatalities Rose 16 Percent in Utah in 2014, Report Shows appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Montana Smelting Company Says Atlantic Richfield Concealed Pollution

American Smelting and Refining Co. said in a Montana lawsuit filed earlier this month that Atlantic Richfield Co. concealed pollution-related documents during the sale of Atlantic Richfield’s zinc fuming plant to Asarco that led to legal problems with the Environmental …

The article Montana Smelting Company Says Atlantic Richfield Concealed Pollution appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Washington Church, Law Firm Settle Legal Malpractice Claim

The Catholic Diocese of Spokane has settled a malpractice case it filed against the law firm that handled its bankruptcy over priest sex abuse claims. The church and the Paine Hamblen law firm settled Friday, but the terms of the …

The article Washington Church, Law Firm Settle Legal Malpractice Claim appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

California Motor Vehicles Revokes Notice on Commercial Plates for Uber

California has retracted a notice that said private drivers for ridesharing companies such as Uber Technologies Inc. and Lyft Inc. must have a commercial license plate or risk getting a citation. The California Department of Motor Vehicles released a notice …

The article California Motor Vehicles Revokes Notice on Commercial Plates for Uber appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Dixie Leavitt Taps Wittwer in Utah

Dustin Wittwer has joined Dixie Leavitt Agency’s Cedar City, Utah sales office specializing in commercial insurance. Wittwer has a background in sales and experience working as a department manager at Scheel’s Sporting Goods. Dixie Leavitt Agency is part of Leavitt …

The article Dixie Leavitt Taps Wittwer in Utah appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Old Mutual Spends More Than Half of Africa War Chest on UAP Stake in Kenya

Old Mutual plc, which earmarked 4.3 billion rand ($374 million) for acquisitions in Africa, increased its stake in Kenya’s UAP Holdings Ltd., meaning that the insurer has now spent more than half of that war chest. Old Mutual, which is …

The article Old Mutual Spends More Than Half of Africa War Chest on UAP Stake in Kenya appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Uber Auto Policy Meets State Requirements, Says Florida Regulator

Florida’s insurance regulators have determined that a ridesharing company’s automobile commercial liability policy meets state regulations, but legislative action is likely necessary to clarify whether that entitles the company to legally operate in the state. Ridesharing firm Uber has been …

The article Uber Auto Policy Meets State Requirements, Says Florida Regulator appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

New York, Northeast May Get 3 Feet of Snow in Historic Storm

A blizzard forecasters call “life-threatening” that may drop three feet of snow from New York to Boston has caused more than 1,800 flight cancellations and will likely block road and rail traffic, close schools and knock out power across the …

The article New York, Northeast May Get 3 Feet of Snow in Historic Storm appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Characteristics of ‘Charlie Hebdo’ Attack Thwarted Counter-Terrorism Efforts: RMS

A number of unique characteristics of the January 7 terrorist attack against satirical French magazine “Charlie Hebdo” allowed terrorists to succeed despite counter-terrorism efforts, according to a new report by Dr. Gordon Woo, catastrophist and terrorism risk expert at RMS, the …

The article Characteristics of ‘Charlie Hebdo’ Attack Thwarted Counter-Terrorism Efforts: RMS appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Mississippi Supreme Court to Hear Katrina Case of Home Hit by Casino Barge

The Mississippi Supreme Court will consider whether a judge was wrong in finding that an insurance company was not liable for damage caused when the Grand Casino barge was torn from its moorings during Hurricane Katrina and smacked into a …

The article Mississippi Supreme Court to Hear Katrina Case of Home Hit by Casino Barge appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Former California Surplus Lines Chair Gibbs Loved Stories, Clients

George N. Gibbs Jr. was a man who was famous in insurance circles for his ability to tell a good story, and those who knew him say he was passionate about protecting the interests of his clients. Gibbs died on …

The article Former California Surplus Lines Chair Gibbs Loved Stories, Clients appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

XL’s McGavick Receives St. John’s 2014 Insurance Leader of the Year Award

St. John’s University’s School of Risk Management (SRM) in New York hosted its 20th Annual Insurance Leader of the Year Award Dinner on Jan. 21 in honor of Mike McGavick, chief executive officer of XL Group plc. The event, held …

The article XL’s McGavick Receives St. John’s 2014 Insurance Leader of the Year Award appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Wal-Mart Settles With Family of Comedian Who Died in N.J. Turnpike Crash

Wal-Mart Stores Inc. reached a confidential legal settlement with the family of comedian James McNair, who died in a June 7 accident on the New Jersey Turnpike that also seriously injured actor-comedian Tracy Morgan. The settlement followed months of “often …

The article Wal-Mart Settles With Family of Comedian Who Died in N.J. Turnpike Crash appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

N.Y. Assembly Speaker Silver Accused of Running 15-Year Graft Scheme

New York Assembly Speaker Sheldon Silver reaped millions of dollars in kickbacks in a 15-year conspiracy that involved medical referrals, real estate developers and law firms, the U.S. said. Silver, 70, used his position to refer asbestos cases from a …

The article N.Y. Assembly Speaker Silver Accused of Running 15-Year Graft Scheme appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Pinnacol in Colorado Names Brannen Vice President of Human Resources

Pinnacol Assurance in Colorado has named Barbara Brannen vice president of human resources. Brannen will oversee the company’s human resources and learning and organizational development areas. Brannen has 35 years of experience. Her previous roles include vice president of human …

The article Pinnacol in Colorado Names Brannen Vice President of Human Resources appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Ex-Partner Defeats California’s Firm’s Bid for Personnel Records

Kleiner Perkins Caufield & Byers, facing gender-bias claims by ex-partner Ellen Pao, may not get access to her performance reviews, complaints about her and other personnel records it sought from her other employers in a case that has focused attention …

The article Ex-Partner Defeats California’s Firm’s Bid for Personnel Records appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Committee Advances Bill To Increase Wyoming Workplace Safety Fines

A bill to increase penalties against Wyoming employers when safety violations result in worker fatalities has cleared its first hearing. The Senate Labor, Health and Social Services Committee on Wednesday recommended approval of the bill. Wyoming long has been among …

The article Committee Advances Bill To Increase Wyoming Workplace Safety Fines appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Senior Market Presents Opportunities for Young Agent Specialists

The graying of America could be a great opportunity for young entrepreneurs, including young insurance producers. As the nation’s population continues to gray, the people who work in the many businesses and organizations that serve seniors are themselves getting older …

The article Senior Market Presents Opportunities for Young Agent Specialists appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Drone Pilot Who Challenged FAA Authority Settles

The drone pilot who challenged the U.S. government’s authority over unmanned aircraft agreed to pay a reduced fine of $1,100 to settle his case. Raphael Pirker, a Swiss citizen who flew a small unmanned plane without government permission over the …

The article Drone Pilot Who Challenged FAA Authority Settles appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

U.S. Adds Automatic Braking to Recommended Car Safety Features

The National Highway Traffic Safety Administration plans to add what it considers two “cutting-edge” automatic emergency braking systems to the recommended safety features included under its rating system for consumers. Transportation Secretary Anthony Foxx said  it is recommending two automatic …

The article U.S. Adds Automatic Braking to Recommended Car Safety Features appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,