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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Mercury Agrees to Acquire Workmen’s Auto Insurance in California

Mercury General Corp. has entered into a definitive agreement to purchase of Workmen’s Auto Insurance Co. Both insurers are based in Los Angeles, Calif. The purchase price is $8 million and the transaction is expected to close during the first quarter of …

The article Mercury Agrees to Acquire Workmen’s Auto Insurance in California appeared first on Insurance Journal.

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Workers’ Comp Study Looks at California’s Reforms

When California Senate Bill 863 took effect Jan. 1, 2013, it created several fee schedule changes in the California workers’ compensation system. The Workers Compensation Research Institute has released a study looking at the possible effect of these changes on …

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Florida Gov. Scott Seeks Insurance Agents’ Help to Get Out Vote

Florida Governor Rick Scott is urging insurance agents to do their part to get out the vote as the state’s gubernatorial campaign enters its final weeks. Former Republican Governor Charlie Crist is running as a Democrat against Republican Scott in …

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Ebola ‘Tipping Point’ Could Come By Late January, Reports RMS

The Ebola virus disease outbreak in West Africa has the potential to be the most deadly infectious disease event since the 1918 flu pandemic, according to a new report by catastrophic risk modeling firm RMS. RMS said the current outbreak …

The article Ebola ‘Tipping Point’ Could Come By Late January, Reports RMS appeared first on Insurance Journal.

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Early Insured Loss Estimates on Hurricane Gonzalo Up to $400M

Early estimates by catastrophe modeling firms indicate insured losses from Hurricane Gonzalo in Bermuda will come in between $200 and $400 million. EQECAT estimates $300 million in insured losses, about the scale caused by Hurricane Fabian in 2003. Both storms …

The article Early Insured Loss Estimates on Hurricane Gonzalo Up to $400M appeared first on Insurance Journal.

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Russia Air Safety Record Near Bottom of Global League

Regardless of who is to blame for the death of Total’s boss at the Moscow airport favored by President Vladimir Putin, it reinforces an indisputable fact: Russia’s air-safety record is dreadful and the wave of crashes is not abating. Numerous official investigations and a …

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NHTSA Apologizes for Troubled Website, Bulletin on Airbag Defects

The National Highway Traffic Safety Administration botched its effort to inform the public about a potentially lethal air-bag defect, directing 8 million consumers to an inoperable website and leaving millions of others unsure as to whether their cars were even …

The article NHTSA Apologizes for Troubled Website, Bulletin on Airbag Defects appeared first on Insurance Journal.

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Chairman of Key House Committee for Insurers Could Face Challenge

House Financial Services Committee Chairman Jeb Hensarling is facing a long-shot challenge to his chairmanship from an Oklahoma Republican. Representative Frank Lucas announced he is considering opposing Hensarling for the panel’s gavel. Hensarling, a Texas Republican, under his party’s rules …

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Kempthorne Named Chair of Global Federation of Insurance Associations

The Global Federation of Insurance Associations (GFIA) has announced the appointment of Governor Dirk Kempthorne as its new chair, for a two-year term. Kempthorne, who is president and CEO of the American Council of Life Insurers, replaces Frank Swedlove, the …

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Nissan Expands Global Recall by 260,000 Vehicles

Nissan Motor Co. expanded a global recall of cars using Takata Corp.-made air bags, which have been linked to four deaths in Honda Motor Co. cars. Nissan will call back 260,000 vehicles worldwide, including 104,905 units in Japan, Yuriko Masuda, …

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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 …

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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 …

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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.

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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.

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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.

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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.

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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 …

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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.

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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 …

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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 …

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