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.

Tags: , , , , , , , , ,

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.

Tags: , , , ,

Employers Names Brown Senior Vice President in California

RENO, Nev.-based Employers Holdings Inc. has named Lori A. Brown senior vice president and deputy general counsel. Brown  is based out of the company’s San Francisco and Walnut Creek, Calif. offices. She is the company’s primary attorney for employment and executive …

The article Employers Names Brown Senior Vice President in California appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Bill Banning Local Drilling Rules Passes Oklahoma House

Legislation that prohibits cities and towns from regulating oil and natural gas drilling operations was approved by the Oklahoma House on April 22, one day after the Oklahoma Geological Survey said it is “very likely” that a swarm of recent …

The article Bill Banning Local Drilling Rules Passes Oklahoma House appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Michigan Bill Would Limit Liability of Private Air Strip Owners

Horse owners and private air strip operators in Michigan would be exempt from liability in certain cases where people are injured under two bills that have moved through the Republican-controlled House. One bill, passed by a 79-31 vote, would add …

The article Michigan Bill Would Limit Liability of Private Air Strip Owners appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Parents of Missouri Teen Killed by Police Sue City of Ferguson

Ferguson, Mo., was sued by the family of an unarmed black teenager whose fatal shooting by a police officer triggered nationwide protests, while subsequent deaths at the hands of police fueled a national debate about how law enforcement treats minorities. …

The article Parents of Missouri Teen Killed by Police Sue City of Ferguson appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Bird Flu ‘Catastrophe’ Growing in Midwest

Deadly bird flu swelled in the poultry industry in Minnesota and neighboring Wisconsin amid speculation that winds may be carrying virus particles into facilities housing turkeys and chickens. “This is a catastrophe for both the turkey and the egg industries,” …

The article Bird Flu ‘Catastrophe’ Growing in Midwest appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Exxon Mobil Subsidiaries to Pay Nearly $5M for Arkansas Pipeline Spill

Two subsidiaries of Exxon Mobil must pay almost $5 million in penalties for state and federal violations involving the 2013 Mayflower oil spill in central Arkansas, according to a consent decree filed in federal court on April 22. The decree …

The article Exxon Mobil Subsidiaries to Pay Nearly $5M for Arkansas Pipeline Spill appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Measure Would Ban Red Light Cameras in Texas

Texas could put red light cameras in the rearview mirror under a bill that has cleared the Texas Senate. Republican Sen. Bob Hall said that red light cameras “have failed miserably” before his bill was sent over to the House. …

The article Measure Would Ban Red Light Cameras in Texas appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Ruling in Post-Katrina Flooding Suit Expected in Early May

A decade-old lawsuit seeking damages from the U.S. government over flooding from Hurricane Katrina and other storms is moving closer to resolution, and a judge’s latest filing indicates that at least some damages will be ordered. Judge Susan Braden of …

The article Ruling in Post-Katrina Flooding Suit Expected in Early May appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

2 Former Women’s Basketball Players Sue Utah College

Two former Dixie State University women’s basketball players are accusing the Utah college of racial, sexual and religious discrimination in a federal lawsuit. The Spectrum newspaper in St. George reported the two ex-players accuse former women’s basketball coach Catherria Turner …

The article 2 Former Women’s Basketball Players Sue Utah College appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Suit Says Southwest Failed in Medical Emergency Over California

A woman filed a wrongful-death lawsuit this week against Southwest Airlines, claiming crew members mistook her husband’s medical emergency for unruly behavior aboard a California flight and didn’t assist him. Richard Ilczyszyn, 46, was found unconscious after the flight from Oakland …

The article Suit Says Southwest Failed in Medical Emergency Over California appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

North Carolina County Considers $500 Fine for Dog Bite

Cumberland County commissioners are considering an ordinance to fine the owners of dogs who bite someone and causes them to need medical attention. The Fayetteville Observer reported that the proposal to impose a $500 fine received preliminary approval Monday night. …

The article North Carolina County Considers $500 Fine for Dog Bite appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

California’s Armitage Given Big “I” Highest Honor

The Independent Insurance Agents & Brokers has given Jim Armitage the Woodworth Memorial Award, the highest honor IIABA bestows on one of its members, during the annual Big “I” legislative conference. Armitage is vice president of Arroyo Insurance in Arcadia, …

The article California’s Armitage Given Big “I” Highest Honor appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

How the Age of Autonomous Vehicles Will Evolve

Vehicles with varying levels of self-driving capability will start to become available to consumers as early as this summer and it could then take 20 years for them to be the norm, according to a new report. The pace will …

The article How the Age of Autonomous Vehicles Will Evolve appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

IRS Weighs Rules on Hedge Fund Managers’ Use of Reinsurance

Hedge fund managers including billionaire John Paulson won’t immediately face new limits on their use of insurance in offshore tax havens, after the IRS proposed rules and chose not to make them effective now. The Internal Revenue Service rules, released …

The article IRS Weighs Rules on Hedge Fund Managers’ Use of Reinsurance appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

AIA Reports 20% Hike in New Business During 1st Quarter

AIA Group Ltd., the third-largest Asia-based insurer by market value, said the value of new business climbed 20 percent in the first quarter, meeting analysts’ estimates. The measure of projected future profitability of new policies increased to $425 million in the three …

The article AIA Reports 20% Hike in New Business During 1st Quarter appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Allied World Global Markets Appoints Geyman, AVP, Onshore Construction

Allied World Global Markets has appointed Toby Geyman, assistant vice president, Onshore Construction, to further develop the product line. Geyman will be responsible for underwriting major U.K. and international onshore construction projects, operating from both the company’s Lloyd’s and European …

The article Allied World Global Markets Appoints Geyman, AVP, Onshore Construction appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Hedge Fund-Backed Bermuda Ventures Could Be at Risk From IRS

Investment vehicles set up by Paulson & Co. and Highbridge Capital Management in tax-friendly Bermuda may be under threat from the U.S. Internal Revenue Service. The IRS, in proposed rules published Thursday, said that the favorable treatment enjoyed by insurers …

The article Hedge Fund-Backed Bermuda Ventures Could Be at Risk From IRS appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Willis Ratings ‘Not Affected’ by Gras Savoye Proposed Acquisition: S&P

Standard & Poor’s Ratings Services said that its ratings on Willis Group Holdings plc (BBB-/Positive/–) “are not affected by the company’s proposed acquisition of the remaining 70 percent that it does not already own of French-based insurance broker Gras Savoye …

The article Willis Ratings ‘Not Affected’ by Gras Savoye Proposed Acquisition: S&P appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Former Alabama Police Chief Charged with Insurance Fraud for House Fire

A former Alabama police chief is one of two men charged with insurance fraud for an October house fire. Sixty-two-year-old Thomas Fuller and 47-year-old Glenn Fuller were arrested Saturday and taken to DeKalb County Jail, reported AL.com. Authorities said the …

The article Former Alabama Police Chief Charged with Insurance Fraud for House Fire appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Mayor Sets Goal of Top Fire Rating for Vicksburg

Mayor George Flaggs Jr. wants the Vicksburg Fire Department to reach a Class 1 fire rating — the top fire rating in the state that no other fire department in the state holds — within five years. According to the …

The article Mayor Sets Goal of Top Fire Rating for Vicksburg appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,