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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Donegal Group’s Q2 Profit Declines 26% to $1.9M

Donegal Group Inc. in Marietta, Pennsylvania, today reported $1.94 million net income for its 2014 second quarter, a decline of 26 percent from $2.63 million net income posted during the 2013 second quarter. The insurer said its second quarter earnings …

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Court Rules Against Obamacare Subsidies for Federal Exchange Insureds

President Barack Obama’s healthcare overhaul suffered a potentially crippling blow as a U.S. appeals court ruled the government can’t give financial assistance to anyone buying coverage on the insurance marketplace run by federal authorities. The decision, if it withstands appeals, …

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Train Crash in Wisconsin Injures 2, Spills Oil

A Canadian National Railway Co. train struck another freight train as it rolled through a small village in Wisconsin, causing cars to derail, injuring two people and spilling thousands of gallons of diesel oil that prompted the evacuation of dozens …

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Improvements to Lafourche, Louisiana Levee System Underway

The South Lafourche Levee District in Louisiana plans to finish raising the levees protecting Larose to Golden Meadow in the coming year. The district began raising the system’s levees to 16 feet in the more vulnerable southern sections and 13 …

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CGS&C’s New MGA Targets U.S. Healthcare Industry with Lloyd’s

Wholesale insurance broker Cooper Gay Swett & Crawford (CGSC) has launched an underwriting management agency specializing in the healthcare industry. The new venture, Pro-Praxis Insurance, will be led by Robert Allen who has 25 years of experience in the industry, …

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Hanover Offers Insurance Advice for Parents Sending Kids to College

The Hanover Insurance Group advises that as new high school graduates get ready to head off to college, parents would be wise to prepare for potential risks and liabilities, and to consider the insurance implications. “Be proud of your child’s …

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After Ordeal, N.J. Legislator Pushes for Video Cameras in New Police Cars

For New Jersey Assemblyman Paul Moriarty, putting video cameras in new police cars became personal two years ago when he was arrested for drunken driving and video from a camera mounted on a cruiser helped get the charges dropped and …

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Will BNP Deal Expand Whistleblower Protections in Banking, Insurance?

BNP Paribas SA’s $9 billion settlement with U.S. authorities, aided by internal whistleblowers, has spurred calls for federal banking regulators to protect and reward individuals who report wrongdoing by banks. The U.S. Securities and Exchange Commission has scored big enforcement …

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Johns Hopkins Health System to Pay $190M to Settle Hidden Camera Lawsuit

Johns Hopkins Health System will pay $190 million to settle a lawsuit on behalf of at least 8,500 women whose pelvic exams were secretly recorded by a gynecologist who later committed suicide. The Baltimore hospital said the settlement will be …

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XL Group Launches Cyber Liability Coverage in Brazil

After last month’s launch of its cyber liability including professional indemnity coverage for technology companies, XL Group has announced “the launch of a second, more general cyber risks insurance solution serving mid- and large-sized companies across a broad range of …

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Freedom Industries, West Virginia Businesses Seek $2.9M Insurance Payout for Chemical Spill

At least $2.9 million could fuel studies in a proposed settlement between West Virginia businesses and residents and the company that contaminated their water supply. The deal between lawyers for Freedom Industries and businesses and people who sued Freedom was …

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NFL Players Sue Own Union, Allege Concussion Conspiracy with Owners

The National Football League Players Association conspired with the league to hide the risks of head injuries sustained on the gridiron, two ex-pros claimed in a lawsuit. Former Minnesota Vikings defensive tackle Christian Ballard and Gregory Westbrooks, a linebacker for …

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Best Takes Rating Actions on AXA Financial, Certain Subsidiaries

A.M. Best has revised the outlook of the issuer credit ratings (ICR) to stable from negative and affirmed the ICR of “a-” and debt ratings of New York-based AXA Financial, Inc., and has revised its outlook on the ratings to …

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Best Affirms Allianz Global Risks US Insurance Co. & Subs Ratings

A.M. Best has affirmed the financial strength rating of ‘A+’ (Superior) and the issuer credit ratings of “aa-” of Allianz Global Risk US Insurance Company, Allianz Underwriters Insurance Company and AGCS Marine Insurance Company (collectively referred to AGCS NA). The …

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S&P Raises Liberty Mutual’s Ratings; Outlook Revised to Stable on NICO Deal

Standard & Poor’s Ratings Services announced that it has raised its ratings on Liberty Mutual Insurance Co. to ‘A/A-1′ from ‘A-/A-2′, as well as its ratings on parent company Liberty Mutual Group Inc. to ‘BBB’ from ‘BBB-’, and its ratings …

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GM Backs Ban on Renting Recalled Cars

General Motors Co. is the first big automaker to support legislation barring rental-car companies from renting or selling vehicles subject to a recall. GM’s support was announced by bill author Sen. Charles Schumer, D-N.Y. GM endorsed the bill after language …

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University of Connecticut Pays $1.3M to Settle Sexual Discrimination Lawsuit

The University of Connecticut said it will pay a group of students almost $1.3 million to settle a sex discrimination suit filed last year that led to a hearing in the state legislature. The five current and former female students …

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S&P Scores Global P/C Reinsurance Sector Risk As ‘Intermediate’

Standard & Poor’s Ratings Services has issued an intermediate insurance industry and country risk assessment (IICRA) score on the global property and casualty reinsurance sector. The report “Insurance Industry And Country Risk Assessment On The Global Property/Casualty Reinsurance Sector” gives …

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More Data Can Increase Hurricane Exposure Understanding: ImageCat

According to Gavin Lewis, commercial director of ImageCat, a US and London based risk management provider, “even in the middle of hurricane season, catastrophe risk managers can improve their understanding of their exposures through better data analysis. He noted that …

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Allianz Backs ‘Legend’ Gross as Pimco Total Return Fund Lags Behind

Allianz SE, Europe’s biggest insurer and owner of Pacific Investment Management Co., is standing by Chief Investment Officer Bill Gross as his main fund trails peers and struggles with a record streak of investor redemptions, calling him an industry “legend.” …

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