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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North Dakota Farmers Filing Insurance Claims for Wheat Crop

Crop insurance agents in North Dakota say they have begun receiving claims and expect more than the usual number to come in because a lot of wheat still unharvested. The Bismarck Tribune reports that a snowy April and wet May …

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Magnitude 3.7 Quake Rattles Perry, Oklahoma, Area

The U.S. Geological Survey says an earthquake with a preliminary magnitude of 3.7 has rattled an area south of Perry on Sept. 12. There were no immediate reports of injuries or damage following Friday morning’s earthquake. The USGS says the …

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Homeowner Insurance Rate Hikes not Challenged by Texas Commissioner

The Texas insurance commissioner has allowed the three largest home insurers to impose significant rate hikes on many policyholders despite the objections of a state consumer advocate. Insurance Commissioner Julia Rathgeber can reject any new rates that are deemed excessive …

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Texas Windstorm Insurer to Offer $500M of Unrated Debt: Muni Deals

Texas Windstorm Insurance Association this week is offering $500 million in unrated municipal debt as the Austin-based group girds for the hurricane season through November. The association, created by the Texas legislature in 1971 to be the windstorm and hail …

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Insurer to Pay for Florida Gators-Idaho Vandals Cancelled Game

The University of Florida’s Athletic Department is scheduled to collect $1.8 million under a Lloyd’s of London insurance policy that covers the loss of ticket revenue in the event a home game is cancelled. The University of Florida Gators were …

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Wotring Joins J.M. Wilson for Southern Territory

Surplus lines broker J.M. Wilson announced the addition of Wendy Wotring as a sales and agency relations specialist for North Carolina and Tennessee. Wotring has held a variety of positions in the insurance industry over the past 25 years, 13 of …

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Soccer Player Sues Over Alleged Clemson Hazing

An ex-Clemson women’s soccer player has sued Tigers coach Eddie Radwanski, his assistants and several former teammates for a 2011 hazing ritual in which she says she was blindfolded and ran into a brick wall at the team’s playing field. …

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ASCnet Changes Name to Applied Client Network

ASCnet (Applied Systems Client Network) has changed its name to Applied Client Network. Based in Des Plaines, Ill., the association represents insurance agencies and brokerages that use Applied software worldwide. In conjunction with the name change, the association introduced a …

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NFL’s Concussion Claims Could Reach $950 Million

The National Football League will have to pay about $950 million to resolve players’ head-injury claims, based on estimates that fewer than one in five will seek compensation for injuries eligible for cash awards, according to a newly released report. …

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Demand for Liability Insurance to Rise Again: Swiss Re

Claims severity and demand for liability insurance will increase as economic growth accelerates and because of technological, social and regulatory changes, according to a new report from Swiss Re. Cyber risk, hydrofracking and autonomous cars will likely be among the …

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N.J. Sen. Menendez Urges FEMA to Reform NFIP’s Claims Process

Following up on issues that were raised at the July 30 hearing on post-Sandy flood insurance claims, U.S. Sen. Robert Menendez (D-N.J.) sent a letter on Wednesday, Sept. 10, to Federal Emergency Management Agency’s (FEMA) Administrator Craig Fugate, urging him …

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California Workers’ Comp Kaleidoscope Through Conference-goers Eyes

Rick Hudson was sitting at his booth at the California Workers’ Compensation & Risk Conference on Thursday scanning emails on his smartphone during a slow period when he was asked what the most significant change to his job has been …

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Massachusetts Fire Officials Worried About Possible Rules Change

A draft document on costs of fire alarm and sprinkler systems in Massachusetts could lead to a rollback in requirements in some multi-unit residential buildings, a group of concerned fire officials said on Sept. 9. About 40 fire officials attended …

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Leavitt Group Brings on Schiff in Montana

Leavitt Great West Insurance Services has hired Gwen Schiff to coordinate the stop loss procurement, placement, and claims oversight for partially self-funded clients. Schiff has 30 years in the insurance industry with an emphasis on health benefits and self-funded plans. …

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Integro Hires 2 Executives From Wells Fargo in New York

Insurance brokerage and risk management firm Integro Insurance Brokers announced the bolstering of its middle market presence with the addition of two experienced brokers: Anne Webb, a managing principal, and Keren von Schmidt, a principal. Both will be based in …

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XL Group, Munich Re, New Energy Risk Provide Insurance for Fuel Cell Project

XL Group’s Complex Accounts unit, Munich Re’s Green Tech Solutions team, and consultants New Energy Risk (NER), have teamed up to deliver a performance insurance policy for a portfolio of fuel cell servers installed across the U.S. The insurance cover …

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Indictment: N.J. Man Lied About Being Carjacked for Insurance Payout

New Jersey state authorities say a northern New Jersey man fabricated a story about being carjacked so he could get about $38,500 from his insurer. New Jersey’s Acting Attorney General John Hoffman announced Wednesday that 42-year-old Maurice Douglas, of East …

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FEMA Wants at Least $5.8M in Superstorm Sandy Aid Repaid

After Superstorm Sandy hit the East Coast nearly two years ago, the federal government quickly sent out $1.4 billion in emergency disaster aid to the hurricane’s victims. Now, thousands of people might have to pay back their share. The Federal …

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California Drivers Lose $44B Over Worn-Out Roads Cost, Report Says

California’s worn-out, congested roads and bridges are costing drivers $44 billion a year, a report released today shows. Higher vehicle operating costs, congestion-related delays and traffic accidents cost $2,458 per driver in Los Angeles, according to the report released by …

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Washington Governor Asks Feds to Reconsider Aid for State’s Largest Wildfire

Washington Gov. Jay Inslee is asking the federal government to reconsider providing federal aid to people hurt by the state’s largest wildfire. Inslee said that more homes were destroyed or damaged than initially thought. The governor wrote to President Obama, …

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