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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Integrated Employee Benefits Merges with One Risk in California

Pleasanton, Calif.-based One Risk Group LLC has merged Integrated Employee Benefits Solutions into its operating platform. As a result of the merger, IEBS owner Robert Silva has joined ORG as vice president in its employee benefits practice. At One Risk Group, …

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Ex-NYC Police Officer Pleads Guilty in Disability Insurance Fraud Scheme

A retired member of the New York City Police Department pleaded guilty to charges that he led a ring that directed hundreds of applicants for disability benefits to lie about their psychiatric conditions. Joseph Esposito, 70, of Valley Stream, New …

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Report: Russian Hackers Attack 5 Big Banks, Steal Customer Data

Russian hackers attacked JPMorgan Chase & Co. and at least four other banks this month in a coordinated assault that resulted in the loss of gigabytes of customer data, according to two people familiar with the investigation. At least one …

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After ‘Terrible’ Cancer Diagnosis, Benmosche Accelerated Exit from AIG

Robert Benmosche, who is stepping down this weekend after five years as American International Group Inc.’s chief executive officer, said he learned in May that he had nine months to a year to live. Benmosche, 70, said in an interview …

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Advice to Bankrupt MF Global Could Cost Accounting Firm $1 Billion

A federal judge on Wednesday ordered PricewaterhouseCoopers to face a $1 billion lawsuit claiming that its bad accounting advice was a substantial cause of the October 2011 bankruptcy of MF Global Holdings Ltd., a brokerage run by former New Jersey …

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Soccer Moms, Players Sue FIFA Over Concussions

FIFA, soccer’s international governing body, was sued by soccer moms and players who claim the organization failed to adopt effective guidelines for dealing with concussions as more evidence links brain injuries to hitting the ball with the head. In their …

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Travelers Insurance Off Hook for $30M Trademark Claim: Court

Travelers Companies Inc.’s U.S. Fidelity & Guaranty doesn’t have to pay a $30 million judgment in a trademark infringement case against one of its insureds. The insurance company filed suit in federal court against New York’s Ashley Reed Trading Inc., …

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Willis Re Strengthens Senior Management Team in Canada

Willis Re Inc., the North American reinsurance operation of Willis Group Holdings plc announced the appointment of Geoff Lubert as Managing Director and Executive Vice President of Willis Re Canada, replacing Robert Wildbore, who will be returning to the UK …

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S&P Report Urges ‘Disaster Resilience’ with Governments for Reinsurers’ Growth

Standard & Poor’s Rating Services announced the publication of its “Global Reinsurance Highlights” to coincide with the 2014 Reinsurance Rendezvous in September. S&P described the report as providing “a detailed perspective on the market, focusing on the competitive pressures that …

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Baloise of Switzerland Profit Jumps on Life Insurance Sales

Baloise Holding AG, Switzerland’s third-biggest insurer, said first-half profit jumped 43 percent, boosted by earnings from life insurance. The shares rose on expectations for a higher dividend. Net income increased to CHF349.9 million ($383 million) from CHF244.8 million [$268 million] …

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‘Deep Throat’ Producers Lose ‘Lovelace’ Copyright Case

The owners of the rights to the famed pornographic film “Deep Throat” have lost a lawsuit accusing the producers of the 2013 biopicture “Lovelace” of copyright infringement. U.S. District Judge Thomas Griesa in the federal court in Manhattan, in a …

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Kentucky Workers’ Comp Loss Costs to Decrease Overall for 9th Straight Year

In Kentucky, workers’ compensation loss costs used by insurers in figuring rates to charge employers will show an overall decrease for the ninth straight year. Kentucky Insurance Commissioner Sharon P. Clark announced today that the state’s Department of Insurance has …

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U.S. Loses Bid to Dismiss $25B Lawsuit Over AIG Bailout

A federal judge has rejected the United States’ bid to dismiss a more than $25 billion lawsuit filed by Maurice “Hank” Greenberg, the former chief executive of American International Group Inc., over the insurer’s government bailout, clearing the way for …

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Keystone Insurers Group Adds Georgia’s Moore Insurance Agency

Keystone Insurers Group has added Perry, Georgia-based Moore Insurance Agency as its 18th franchise partner in the state. The announcement was made by Moore Insurance Agency President Mike Moore and Keystone’s Georgia Vice President Kaye Garruto. Established by Herbert Moore …

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Global Atlantic Announces Retirement of Ariel Holdings Co-CEO Milligan

Bermuda-based Global Atlantic Financial Group Limited announced that Tom Milligan, Co-CEO of its Ariel Holdings Limited subsidiary, will retire upon the closing of the planned sale of Ariel Re companies to Brazil’s Banco BTG Pactual S.A. Tom Hulst, currently Co-CEO …

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IPCC Sends Draft Synthesis Report to Governments for Comments

The Intergovernmental Panel on Climate Change (IPCC) announced that the authors have “finished drafting the Synthesis Report of the Fifth Assessment Report (AR5) and sent the draft to governments for comments on the text.” The IPCC noted that this is …

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Hurricane Cristobal to Pass North of Bermuda; No Threat to U.S.

The most recent report from the National Hurricane Center in Miami, at 5:00 A.M. EDT, notes that Cristobal is now hurricane strength with maximum sustained winds of 80 mph – 130 km/h, and “some strengthening is possible during the next …

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Pacific Hurricane Marie Weakens to Category 1 Storm; No Warnings in Place: NHC

The most recent report from the National Hurricane Center in Miami, at 8:00 P.M. PDT, indicates that Hurricane Marie is “gradually weakening over colder water.” The storm, located around 1190 kms [740 miles] west of the southern tip of Baja …

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Swiss Re sigma Report Estimates 1st Half 2014 Insured Losses at $21 Billion

According to preliminary estimates in a sigma report from Swiss Re, total economic losses from natural catastrophes and man-made disasters reached $44 billion in the first half of 2014. The global insurance industry covered $21 billion of these losses, down …

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QBE Wins Time for Cleanup as Plan Reduces Risk: Australia Credit

QBE Insurance Group Ltd.’s John Neal is shoring up the insurer’s balance sheet by selling shares and assets. He still has work to do convincing bond investors that business is improving after three profit warnings in two years. QBE debt …

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