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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Willis Construction Adds Russo in New York, Johnson in Chicago

Willis North America announced two appointments to its Construction Practice. Joseph Russo has been appointed East Region Broking Leader for the National Construction team based in New York. In this newly created role, Russo will serve as a senior construction …

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DEA ‘Operation Pilluted’ Nets 280 Drug Trafficking Arrests in 4 States

The U.S. Drug Enforcement Administration (DEA) and federal prosecutors have made 280 arrests in what they call an “unprecedented enforcement action” against doctors, pharmacies and pill mills for alleged trafficking and abuse of prescription drugs. The 15-month operation, dubbed Operation …

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AXA Plans to Sell Coal Assets, Citing Concerns About Climate Change

France’s largest insurer will scrap holdings in coal companies because of concerns about climate change, broadening support for the fossil-fuel divestment movement to a major mainstream investor. AXA SA Chief Executive Officer Henri de Castries said he’s working to sell …

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Senate Committee Passes Dodd-Frank Relief Bill Without Democrats

A bill to ease regulations across the U.S. financial sector passed a Senate committee on Thursday with no support from Democrats, in a setback to the largest overhaul of 2010 banking reforms since the rules were put in place. The …

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UK’s Regulator Criticizes Insurers for Failures in Handling Claims for SMEs

The UK’s Financial Conduct Authority criticized the insurance industry for “poor practices” and “significant” failures in handling claims for small and medium-sized enterprises (SMEs). The regulator said a review of the experiences of business customers showed more dissatisfaction with insurers than a …

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PartnerRe Shareholders to Decide on AXIS Bid; Board Rejects EXOR Offer

PartnerRe Ltd. said in a statement on Friday that its suitor EXOR has rejected any negotiations to raise its $6.8 billion hostile offer. As a result, the Bermuda-based PartnerRe said it will ask shareholders to vote on the planned merger with …

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The Scoop on Recall Insurance and Listeria-Linked Ice Cream

While peanut butter and cantaloupe made big news in recent years, ice cream is now the latest item to be pulled off grocery store shelves due to foodborne-illness. Brenham, Texas-based Blue Bell Creameries’ listeria-tainted ice cream has been linked to …

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More North Carolina Wells Near Duke Coal Ash Pits Show Water Contamination

North Carolina officials are warning even more residents living near Duke Energy’s coal ash pits that it’s not safe to drink or cook with their well water. The state Department of Environment and Natural Resources said Wednesday that 191 drinking …

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ConAgra to Settle Georgia Peanut Butter Salmonella Charges for $11.2M

ConAgra Foods agreed to pay $11.2 million, a sum that includes the highest criminal fine ever in a U.S. food safety case, to settle a federal charge that the company shipped Peter Pan peanut butter tainted with salmonella from a …

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Montpelier Re to Hold Special Shareholders’ Meeting on Endurance Acquisition

Bermuda-based Montpelier Re Holdings Ltd announced that it has scheduled a special general meeting of its shareholders to “consider and vote upon a proposal to approve the previously announced Agreement and Plan of Merger,” dated March 31, 2015. Shareholders will …

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EPIC in California Names Lamison Director of Benefits Technology

San Francisco, Calif.-based Edgewood Partners Insurance Center has named Myesha Lamison director of benefits technology as a part of EPIC’s employer services platform team. Lamison will be based in EPIC’s San Francisco office and report to John Gaffney, operations director …

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Smartcars Could Cause Traffic Headaches

Traffic jams in the future could cause potentially dangerous data snarl-ups as cars packed with entertainment, safety and navigation features vie for airwaves with smartphones, tablets and networked features in other vehicles, according to a study. By 2024, mobile networks …

The article Smartcars Could Cause Traffic Headaches appeared first on Insurance Journal.

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Top 5 Risks For Grocers That Are Often Uninsured

Grocery retailers traditionally face a number of risks that are not covered by typical property, crime or cyber insurance programs. A new white paper report from global independent insurance broker Lockton — “Insuring the Operational Risks of Grocers with Intangible …

The article Top 5 Risks For Grocers That Are Often Uninsured appeared first on Insurance Journal.

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Health Insurer CareFirst Says Cyberattack Stole Data of 1.1M Users

CareFirst BlueCross BlueShield, which sells health insurance in Maryland, Virginia and the District of Columbia, said on Wednesday that a cyberattack compromised the data of 1.1 million current and former members. CareFirst, which has a total of 3.4 million customers, …

The article Health Insurer CareFirst Says Cyberattack Stole Data of 1.1M Users appeared first on Insurance Journal.

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Uber Facing Another Setback As Texas Passes on Ridesharing Law

Uber Technologies Inc.’s attempt to replace a patchwork of local rules in Texas with a state law regulating its car-booking business is headed for defeat because lawmakers have yet to act on a key measure with only days remaining in …

The article Uber Facing Another Setback As Texas Passes on Ridesharing Law appeared first on Insurance Journal.

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Ascot, Chaucer & Skuld Form Underwriting Consortium for Renewable Energy

Ascot Underwriting Ltd. has formed Renewco Consortium (ReCo), a dedicated and independent underwriting platform for the renewable energy industry. The Lloyd’s consortium is jointly led by Ascot and Chaucer and managed by Ascot; Skuld is the third consortium partner. With …

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Zurich Aims to Cut Costs by $1B, Seeking to Reverse Earnings Decline

Zurich Insurance Group AG, Switzerland’s biggest insurer, will cut costs by more than planned as it seeks to reverse a drop in earnings. Chief Executive Officer Martin Senn said he will make additional annual savings of at least $1 billion by …

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BP Settles Gulf Oil Spill Cross Claims with Halliburton, Transocean

BP Plc has settled with oilfield services provider Halliburton Co. and contract driller Transocean Ltd. cross claims related to the 2010 Gulf of Mexico oil spill, the worst offshore disaster in U.S. history. BP still faces a potential fine of …

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Car Owners Seeking Air Bag Recall Information Swamp NHTSA Website

Hundreds of thousands of car owners who yesterday were urged to check a government website and see if their air bags are safe have overwhelmed the site and U.S. regulators say it might take several days before the database is …

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Cleanup Continues for Oil Pipeline Spill Along Southern California Coast

California Governor Jerry Brown declared an emergency in Santa Barbara County after a Plains All American Pipeline LP oil conduit leaked as much as 2,500 barrels of crude along the state’s southern coastline. About 500 barrels of crude entered the …

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