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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Florida’s Citizens No Longer ‘Out of Control,’ Says CEO Defending Rate Cut

Its successes in reducing its insured population and securing low cost catastrophic coverage are driving the request by Florida’s state-backed property insurer for a statewide average 2.9 percent decrease on residential policies. Citizens Property Insurance Corp. officials in a public …

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In Sandy Turnaround Test, New York City Says It’ll Meet Goal

A home-repair program in New York City has been sprinting to meet a self-imposed deadline to signal a turnaround in Superstorm Sandy recovery, and officials say they’re positioned to pass their test of rebuilding both houses and confidence. The milestone …

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Wallace Jumps from Willis to Marsh in Atlanta

Insurance broker and risk consultant Marsh reported that Thadd Wallace has joined the firm as a managing director in the Global Risk Management Practice in Atlanta. In this role, Wallace will work with Don Bailey, head of industry and sales …

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Halliburton Agrees to $1.1 Billion Gulf Oil Claims Settlement

Halliburton Co. agreed to pay $1.1 billion to settle a majority of lawsuits brought over its role in the largest offshore oil spill in U.S. history. The agreement is subject to court approval and includes legal fees, the Houston-based company …

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No ‘Significant’ Cyber Attacks on Banks, Says Bank Group

An influential U.S. financial services industry group that shares information about cyber threats has said it is unaware of any “significant” cyber attacks, downplaying concerns about possible breaches at JPMorgan Chase & Co. and other banks. The group, known as …

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Iceland Volcanic Eruption Still Pouring Out Lava, but No Ash Cloud

A fissure eruption near Iceland’s Bardarbunga volcano was still spouting lava on Monday but no ash, a day after an eruption that briefly caused the country to raise its ash alert level for aviation to its highest level. Iceland’s largest …

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Argo Group Hires Ribeiro as Head of International Businesses

The Bermuda-based Argo Group International Holdings announced that Jose Ribeiro has been hired to the newly created position of head of international, effective immediately. He will be based in the company’s London office. Ribeiro joins Argo from Generali where he …

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CGSC Launches Marine Specialists Latitude in Hong Kong

Latitude Brokers Ltd., previously the Marine Division of Cooper Gay Asia, has been launched as a separate entity. The change follows the receipt of regulatory approval in July 2014 by the Hong Kong Confederation of Insurance Brokers. The newly incorporated …

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CGSC CEO Esser Targets Acquisitions, Cost Reductions to Reestablish Growth

Cooper Gay Swett & Crawford (CGSC), the global reinsurance, wholesale and specialty broker, has announced plans to streamline costs and generate operational efficiencies following the filing of the group’s 2013 report and accounts and a downgrade to ‘B-‘ with a …

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S&P Lowers Cooper Gay Swett & Crawford Ratings to ‘B-’; Outlook Stable

Standard & Poor’s Ratings Services has lowered its long-term corporate credit rating on London-based global wholesale and reinsurance broker, Cooper Gay Swett & Crawford (CGSC) to ‘B-’ from ‘B’ with a stable outlook is stable. S&P also said it has …

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New York’s Staten Island Gets $56M to Control Future Flooding

New York officials say $33 million in federal Sandy relief will be going toward the purchase of about 24 acres on Staten Island to control future flooding. Sen. Charles Schumer and New York City Mayor Bill de Blasio announced the …

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Nationwide Eyes Growth in New Jersey Auto Insurance Market

Nationwide Mutual Insurance Company has begun selling its Nationwide-branded auto insurance in New Jersey this month for the first time since 1981. “So we’ve been writing business now for about two weeks and so far, so good. It’s obviously very …

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Louisiana’s Homeowners Market Stronger 9 Years after Katrina

Louisiana’s property insurance market is vastly improved nine years after Hurricane Katrina devastated the state on Aug. 29, 2005, largely due to the implementation of statewide building codes and strategies that have helped create a more competitive marketplace, according to …

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Climate Change to Affect Hawaii’s Tourism Industry, Says Study

A University of Hawaii report is warning the state’s tourism industry to start preparing now for the effects of climate change. The study says Hawaii will likely see more competition for visitors as warmer climate zones expand and new, easier-to-reach …

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Aon Benfield Secures Reinsurance Capacity for AEGIS Cyber Offering

Aon Benfield announced that it has secured “the reinsurance capacity for a unique cyber product developed by the Lloyd’s syndicate of mutual energy insurer AEGIS London. “The product offers a comprehensive cyber risk management service, and allows AEGIS’ policyholders to …

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Crop Insurance Options Extended in North Dakota

U.S. Agriculture Department has announced new supplemental coverage for North Dakota crops through the federal crop insurance program. U.S. Sen. John Hoeven said the department’s Supplemental Coverage Option will include corn and barley for all North Dakota counties in the …

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UPDATE: Iceland Lowers Volcano Alert; Small Eruption No Threat to Aviation

Iceland reduced its aviation warning level to orange on Friday after concluding that a small eruption in the Bardarbunga volcano system that triggered a hours-long red alert actually posed no threat to aircraft. No sign of ash like that from …

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Blast at BP Refinery in Indiana Sparks Fire, Shakes Homes

An explosion at a BP oil refinery in Indiana rattled nearby homes and sparked a fire that was later extinguished, but it didn’t cause any major injuries or halt production at the facility, a company official said. The explosion at …

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Parker Named New CEO of USAA

Stuart Parker, currently chief operating officer at San Antonio-based USAA has been named to succeed current CEO Joe Robles when he retires at the end of February 2015. USAA Capital Corporation President Carl Liebert will succeed Parker in the role …

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GetMyBoat Boat Rental Service Launches Boat Rental Insurance

GetMyBoat, a global peer-to-peer and boat rental and charter marketplace, has launched a global boat rental insurance product. Customized coverage is offered to boaters who book through the company or through any other service or platform. Policies can be purchased …

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