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: , , , ,

Idaho Techs Behind Infrastructure Protection Digital Library

Emergency planners say a digital library developed by Idaho researchers has become a critical tool in preparing for major disasters. The Infrastructure Protection Digital Library is a searchable database that gathers and customizes emergency-related documents, images and websites on local, …

The article Idaho Techs Behind Infrastructure Protection Digital Library appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Coach’s Insurance, California City To Pay $1M In DUI Death

The city of Fresno and the man who pleaded no contest in the drunken driving hit-and-run death of a 7-year-old California boy have agreed to pay the youth’s family more than $1 million to settle a civil lawsuit. The Fresno …

The article Coach’s Insurance, California City To Pay $1M In DUI Death appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Federal Grant Goes To Minimize Flood Risk in Wyoming City

The U.S. Department of Commerce has given Cheyenne, Wyo. a grant for a storm sewer project that should help minimize the risk of flooding downtown. The Wyoming Tribune Eagle reported the department’s Economic Development Administration awarded the city a $1.68 …

The article Federal Grant Goes To Minimize Flood Risk in Wyoming City appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

New Mexico’s Green Chile Crop Endangered by Weather

Wet weather in recent weeks has left some of New Mexico’s green chile crop in danger. The Las Cruces Sun-News reported  that a hail storm last week was the latest in a spate of precipitation to plague chile fields in …

The article New Mexico’s Green Chile Crop Endangered by Weather appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

North Carolina Big ‘I’ Names Georgia’s Knight As CEO

The Independent Insurance Agents of North Carolina (IANC) has named Aubie W. Knight as  its new chief executive officer. Knight, currently CEO of a neighboring Big “I” association, the Independent Insurance Agents of Georgia (IIAG), will join the IIANC staff …

The article North Carolina Big ‘I’ Names Georgia’s Knight As CEO appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

ProAssurance, Pro-Praxis Introduce Excess Package for Complex Healthcare Risks

ProAssurance Corp. of Birmingham, Ala., has launched a new suite of excess insurance coverages, ProAssurance Complex Medicine, or ProCxM, for large healthcare facilities and organizations. This new package of coverages and related services will allow the company to respond more …

The article ProAssurance, Pro-Praxis Introduce Excess Package for Complex Healthcare Risks appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Appointment to Help ACE Grow German Surety Business

ACE Group has appointed Charles Villette as surety underwriting manager in Germany, as it expands its surety capabilities in Europe’s biggest economy. Villette has more than ten years of insurance industry and surety experience and joins ACE from a major …

The article Appointment to Help ACE Grow German Surety Business appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Rachel Cotton Appointed Real Estate Director at RSA

RSA, the London-based insurer, has appointed Rachel Cotton as real estate director for RSA’s Risk Managed Business. Cotton has worked at RSA for over 25 years across a variety of areas including technical and specialist claims, sales and marketing for small …

The article Rachel Cotton Appointed Real Estate Director at RSA appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Milliman Opens Office in South Africa

Milliman Inc., the Seattle-based global consulting and actuarial firm, is opening an office in Cape Town, South Africa. The office will be led by industry veteran David Kirk and will serve Sub-Saharan Africa. The Cape Town location is a reflection …

The article Milliman Opens Office in South Africa appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

China’s Fosun to Invest in European, Japanese Insurers

Fosun International Ltd., the investment arm of China’s biggest closely held conglomerate, is considering making more bets on insurers outside its home country, Chief Executive Officer Liang Xinjun said. “We prefer investing in insurance companies in Europe and Japan,” Liang …

The article China’s Fosun to Invest in European, Japanese Insurers appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

10 Years and 12,000 Smoke Alarms in Texas

The We’re Out to Alarm Texas program has donated approximately 12,000 smoke alarms to Texas to seniors and other citizens throughout the state during its 10 years in existence, the Insurance Council of Texas announced. The ICT said these smoke …

The article 10 Years and 12,000 Smoke Alarms in Texas appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Lawmakers Question the Adequacy of Traffic Control After Fire Halts Flights

The havoc created by a suicidal technician at a Chicago-area flight-control center has some lawmakers asking how a single person armed with gasoline and knives could bring down part of the U.S. air-traffic system. Damage caused last week by a …

The article Lawmakers Question the Adequacy of Traffic Control After Fire Halts Flights appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Coastal Carolina University Suspends 3 Fraternities

Coastal Carolina University in Conway, S.C. has suspended three fraternities after administrators received hazing complaints. Coastal spokeswoman Martha Hunn told local reporters the chapters of Kappa Sigma, Tau Kappa Epsilon and Pi Kappa Phi have been placed on suspension while …

The article Coastal Carolina University Suspends 3 Fraternities appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Alabama Gas Explosion Heightens Concern Over Cast-Iron Pipe Corrosion

When Darryle Brown woke up in the dark hours of an early December morning, he heard an explosion. Suddenly, Brown was on fire and trapped underneath an eight-inch-thick concrete slab – the floor of his fiancée’s two-story apartment unit in …

The article Alabama Gas Explosion Heightens Concern Over Cast-Iron Pipe Corrosion appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Talanx to Shift Investments to Non-Euro Countries

Talanx AG, Germany’s third-biggest insurer, plans to shift investment to countries outside the euro region as monetary policy measures erode returns on assets in the currency union. “Generally speaking, investing has become more complex and more risky as a result …

The article Talanx to Shift Investments to Non-Euro Countries appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Ace Launches Image Protect for the Middle East, North Africa

Ace Group has launched Image Protect, a product designed to help companies across the Middle East and North Africa region (MENA) effectively manage their reputational risks. The move stems from the results of a recent study, Reputation at Risk, which …

The article Ace Launches Image Protect for the Middle East, North Africa appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

U.S. Hospitals Face Risks in Ebola Virus Waste Disposal

U.S. hospitals may be unprepared to safely dispose of the infectious waste generated by any Ebola virus disease patient to arrive unannounced in the country, potentially putting the wider community at risk, biosafety experts said. Waste management companies are refusing …

The article U.S. Hospitals Face Risks in Ebola Virus Waste Disposal appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Colleges Look to Control Fraternities, Hazing As Tragic Incidents Multiply

The death of a Clemson University sophomore is the latest incident to raise alarms about safety at fraternities on U.S. campuses, with more colleges cracking down on dangerous behavior. Clemson, in South Carolina, said Sept. 23 that it suspended new-member …

The article Colleges Look to Control Fraternities, Hazing As Tragic Incidents Multiply appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Marketform in Major Modernization Move to New Offices

Specialist Lloyd’s underwriter Marketform announced that it will relocate its entire London staff to new offices at 20 Gracechurch Street, effective today, the 29th of September. “The new premises, 100 meters from Lloyd’s, has been specifically designed to accommodate its …

The article Marketform in Major Modernization Move to New Offices appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,

Allianz CEO’s Contract Likely to Be Extended

Allianz is set to extend the contract of its Chief Executive Michael Diekmann by two years as the German insurer seeks to soothe the turmoil over leadership change at its Pimco subsidiary, a German newspaper reported. Allianz’s supervisory board will …

The article Allianz CEO’s Contract Likely to Be Extended appeared first on Insurance Journal.

READ MORE: Source

Tags: , , , , , , ,