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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Boston Children’s Hospital to Pay $40K Over Data Breach Allegations

Boston Children’s Hospital (BCH) has agreed to pay $40,000 and take steps to prevent future security violations following allegations related to a data breach that affected patient information, Massachusetts Attorney General Martha Coakley announced Friday. The consent judgment, entered Friday …

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PCRB Proposes 5.99% Average Workers’ Comp Loss Cost Decrease in Penn.

The Pennsylvania Compensation Rating Bureau (PCRB) has submitted a filing of Pennsylvania loss costs and related rating values with a proposed effective date of April 1, 2015. PCRB said in its Circular No. 1636 on Dec. 15 that its filing, …

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LeapFrog, Lombard to Acquire Stakes in Thai Insurer SMK from RSA

LeapFrog Investments, Lombard Investments, and Syn Mun Kong Insurance Public Company Limited (SMK) [SMK:Bangkok] announced today that LeapFrog and Lombard will each acquire approximately 11 percent of SMK, from Royal & Sun Alliance Insurance Plc (RSA). The venture is the …

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Texans Can Expect More Troopers on Patrol During Holidays

Texas troopers will increase patrols over the more than two-week holiday period with officers on the lookout for drunken drivers. The Texas Department of Public Safety says expanded patrols begin Dec. 19 and run through Jan. 2. The period includes …

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Donald Gaddis Co. Acquires Chicago-Based Kelly and Elliott

Wholesale insurance broker and general agency, Donald Gaddis Co. Inc., has purchased rights to all the renewals of Kelly and Elliott Ltd. Both companies are headquartered in Chicago. Gaddis also hired all of Kelly and Elliott’s employees. The transaction was effective …

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Reincke Promoted to Brokerage Manager at J.M. Wilson

Portage, Mich.-based wholesale insurance specialist, J.M. Wilson, has promoted James Reincke to brokerage manager for the newly formed brokerage department . Reincke is responsible for developing and strengthening new and existing agency and company relationships, as well as growing the …

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Dallas-Based Waldman Bros Promotes 5 to Vice President Positions

Waldman Bros, a Dallas-based insurance and financial services firm, has promoted five employees to serve as vice presidents, including Leigh Bennett, Eric Goldberg, Rita Rolf, Melanie Rasansky and Tina Sparks. In their new roles, they will be responsible for developing …

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Work-Related Injuries, Illnesses Requiring Days Off Decreased in Texas in 2013

Private industry employers in Texas reported 51,890 cases involving days away from work and an incidence rate of 66.6 injuries and illnesses per 10,000 full-time equivalent employees in 2013, the Texas Department of Insurance – Division of Workers’ Compensation (DWC) …

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McGowan Installed as President of the Independent Insurance Agents of Indiana

The Independent Insurance Agents of Indiana Inc. (Indiana Big “I”) has installed its slate of officers for 2015, including Hugh M. McGowan of the McGowan Insurance Group in Indianapolis as president. In addition to McGowan, the members of the executive …

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Ringling Bros. Disputes OSHA Citation for Hair-Hanging Accident in R.I.

Ringling Bros. and Barnum & Bailey Circus has contested a citation it received from federal regulators for an accident that sent eight hair-hanging acrobats plummeting to the ground during a live performance, severely injuring most of them. Stephen Payne, a …

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President Obama Signs Bill Easing Insurer Capital Standards

President Barack Obama has signed legislation intended to relax capital and liquidity standards for insurers under the Dodd-Frank Act. The law gives the Federal Reserve flexibility in setting the standard for insurers. The legislation (S.2270) was approved by the Senate …

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North Carolina Couple Charged with Insurance Faud

A North Carolina couple has been charged with faking an accident and medical records in filing an insurance claim. Insurance Commissioner Wayne Goodwin last week announced the arrests of James Arnold Seals, 42, of  Fayetteville, and Lisa Renee Strickland Seals, …

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Executives in West Virginia Chemical Spill Facing Criminal Charges

When state inspectors arrived at Freedom Industries asking about a licorice smell enveloping West Virginia’s capital city, the point person at the tank farm, Dennis P. Farrell, told them he knew nothing about a chemical leak. He seemed to brush …

The article Executives in West Virginia Chemical Spill Facing Criminal Charges appeared first on Insurance Journal.

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Fireman’s Fund Timeline: Through Earthquake, Amex and More

The sale of a Fireman’s Fund unit from Allianz SE to Ace Ltd. stands to further diminish an iconic U.S. insurance brand that dates to the 1800s. The buyer said Thursday that it will integrate the operation, which caters to …

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MetLife Considers Appeal of Systemic Risk Label

MetLife Inc., the biggest U.S. life insurer by assets, was labeled a systemically important financial institution by a council of regulators and said it will consider whether to sue the government over the decision. The Financial Stability Oversight Council voted …

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Anbang Expands Reach With Diverse Investments in China, Europe & US

Anbang Insurance Group Co., the Chinese insurer that’s buying New York’s Waldorf Astoria hotel, is expanding at home with investments from China Minsheng Banking Corp. to Financial Street Holdings Co. The insurer became the largest shareholder of Minsheng Bank with a 9.1 …

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China Forms 1st Insurance Fund to Cap Financial Risk in Shadow Banking

China on Friday set up its first insurance fund for its $2.1 trillion trust industry in a move to reduce financial risk in shadow banking, the country’s banking regulator said. The fund, jointly established by China Trustee Association and 13 trust firms, will …

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Insurer Philadelphia Cos. Counts Carbon Footprint

It’s no secret that many property/casualty insurers are tackling climate change on the back end through more sophisticated catastrophe modeling, calls for more resilient communities and pricing. But it seems to be a common misconception that the industry – like …

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Price Optimization Allegations Challenged, NAIC Investigating Practice

Reaction to industry-wide price optimization allegations from a consumer group known to call out insurers has been somewhat critical yet guarded – however it appears regulators may already be starting to look into the practice. Consumer Federation of America this week …

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14 Charged for Roles in Deadly 2012 Meningitis Outbreak

In the biggest criminal case ever brought in the U.S. over contaminated medicine, 14 owners or employees of a Massachusetts pharmacy were charged Wednesday in connection with a 2012 meningitis outbreak that killed 64 people. The nationwide outbreak was traced …

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