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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Washington Insurance Judge Untruthful In Case, Inspector Says

An independent investigator says the state insurance office’s top administrative-law judge was misleading and untruthful when it came to a high-profile insurance case that ultimately led to her suspension in May. Patricia Petersen had alleged that the insurance commissioner Chief …

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Parents Sue Alaska Heli-Ski Company After Son’s Avalanche Death

The parents of a 26-year-old snowboarder who died after an Alaska avalanche have filed a federal lawsuit against a heli-skiing company, alleging it failed to assess the danger in the area. Nickolay Dobov of Truckee, California, died after the March …

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California Wildfire Destroys 13 Homes, Hundreds of Homes at Risk

Firefighters in Northern California made progress Sunday against a wildfire that has destroyed 13 homes and forced hundreds of evacuations in the Sierra Nevada foothills, while a fire near Yosemite National Park that destroyed one home grew significantly overnight. East …

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Primary-Enforced Texting Laws Save Drivers’ Lives: University Research

New research appears to confirm that laws against texting while driving do reduce traffic fatalities if they are primary enforcement laws. Primary texting bans are associated with a three percent reduction in traffic fatalities among all age groups, which is …

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Arthur J. Gallagher Names Jain Chief Service Officer

Illinois-based global insurance broker Arthur J. Gallagher & Co. reported that Vishal Jain, who currently oversees the company’s service center operations, has been appointed chief service officer. In this new role, Jain will lead Gallagher’s will lead customer service efforts while improving operational …

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Wal-Mart Must Share Documents on Mexico Bribery Probe: Court

The Delaware Supreme Court affirmed last Wednesday a lower court ruling that ordered Wal-Mart Stores Inc. to provide a shareholder with documents related to the company’s internal probe of allegations the retailer had paid bribes in Mexico. Wal-Mart had appealed …

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Hackers Pose High Terror Threat to U.S., Says 9/11 Panel

The terrorist threat against the U.S. remains dangerous 10 years after the 9/11 Commission issued its first report — only now the risk is greater online. In a report issued last week, panel members who studied the 2001 attacks urged …

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Federated National Launching Another Florida Home Insurer, Monarch National

Florida homeowners’ insurer Federated National Holding Co. and the Canadian bank and investment manager C.A. Bancorp Inc. have agreed to form a new Florida-based homeowners insurance carrier to be named Monarch National Insurance Co. Both FNHC and C.A. Bancorp are …

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Best Affirms Lloyd’s, Lloyd’s (China) Ratings; Outlook Positive

A.M. Best has affirmed the financial strength rating of ‘A’ (Excellent) and the issuer credit ratings (ICR) of “a+” of Lloyd’s and Lloyd’s Insurance Company (China) Limited (LICCL) (China). Best also affirmed the ICR of “a” of Society of Lloyd’s …

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State Bank of India Mulls Share Sales in Insurance, Asset-Management Units

State Bank of India, the country’s largest lender, is considering share sales in its insurance and asset-management units to meet tighter capital requirements. “We are in talks with our joint-venture partners regarding the listing of the insurance units,” Chairman Arundhati …

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Rideshare Firm Lyft Works Out Deal to Operate in New York City

New York State officials announced today rideshare firm Lyft has agreed to operate in New York City in full compliance with existing laws and regulations. The announcement comes two weeks after the state’s attorney general’s office and the state’s Department …

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Height of Iowa Bridge a Challenge for Drivers

A low bridge in Council Bluffs, Iowa, is proving challenging to motorists. Drivers of tall vehicles have hit the Canadian National Railroad bridge twice this week and at least five times this year. The bridge is on the north side …

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Federal Disaster Declarations to Help Farmers in 10 Arkansas Counties

U.S. Secretary of Agriculture Tom Vilsack has made disaster declarations for farmers and ranchers in 10 Arkansas counties who suffered losses due to storms that began in the affected areas June 29. Vilsack issued disaster declarations in response to flood …

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Austin Police Officers Sue for Discrimination After Reassignments

Some Austin, Texas, police officers are suing the city for what they say was race and age discrimination in job assignments. The Austin American-Statesman reports 18 officers filed the lawsuit Wednesday. The officers say they were forced out of the …

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Missouri Makes Insurer Filing Records Available to Public Online

The Missouri Department of Insurance announced the implementation of a new online tool that allows consumers to view insurance company filing records. Missouri becomes the fifth state to use SERFF Filing Access (SFA) to make such records accessible to the …

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Oregon Man’s Sues Boy Scouts for $5.3 Million Over Molestation

A Portland, Ore. man who says he was molested by his Scout leader in the 1970s seeks $5.3 million in a lawsuit filed against the Boy Scouts of America. The lawsuit filed Wednesday says the national office allowed the Portland …

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Jury Awards Families $2.4M in Lawsuit Over Utah Couple’s Kayaking Death

A jury has faulted state and local agencies in the 2010 deaths of a Utah married couple kayaking in the Jordan River. Family members of Kelly Frye-Glasser and Joseph Glasser on Tuesday won their case arguing that officials were aware …

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Survey: Michigan Business Owners Optimistic About Future

Owners of Michigan’s small and medium-size businesses have voiced their confidence in Michigan’s economic future in the latest Future Business Index, published in partnership with the Michigan Business Network and Lansing, Mich.-based Accident Fund Insurance Company of America, the insurer announced. The optimism of …

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NRA Insurance Enables Oregon Shooting Ranges to Reopen

Shooting ranges in White City, Ore. are reopening after the National Rifle Association agreed to provide insurance coverage. The 18 ranges were forced to close July 1 because their insurance carrier dropped coverage after a man filed a claim after …

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Lane Splitting Guidelines Removed by California Highway Patrol

The California Highway Patrol has taken down safety guidelines for a criticized but legal driving maneuver in which motorcyclists pass stalled traffic by driving between lanes. The San Francisco Chronicle reported that state officials were concerned the guidelines for so-called lane splitting …

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