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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Judge Denies GM Bid to Merge California, New York Ignition Switch Suits

General Motors Co. lost a bid to merge a California county prosecutor’s lawsuit over faulty ignition switches with customer cases pending in New York that make similar accusations about the carmaker’s conduct and demand monetary compensation. U.S. District Judge Jesse …

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New York Firefighters’ Group Urges Kitchen Caution on Thanksgiving

Firefighters are urging people to be careful in the kitchen this Thanksgiving. The Firemen’s Association of the State of New York has issued a holiday reminder that cooking fires are the number one cause of home fires. With Thanksgiving on …

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2 Baltimore Women Awarded $3.8M in Lead Paint Case

A jury has awarded more than $3.8 million to two Baltimore, Maryland, women who suffered permanent brain damage after being exposed to lead paint as babies. The Baltimore City Circuit Court jury reached that verdict after two hours of deliberations …

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Minnesota Archdiocese Sues Insurance Companies for Coverage

The Archdiocese of St. Paul and Minneapolis in Minnesota said it is suing some 20 insurance companies to try to force them to cover its liabilities for clergy sex abuse claims. The complaint, filed in federal court, says the carriers …

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Massachusetts Officials: Revamped Healthcare Website Working as Hoped

Nearly 52,000 individuals in Massachusetts have been found eligible for insurance plans that comply with the federal Affordable Care Act during the first seven days of the open enrollment period for 2015. Of those, about 24,000 were immediately enrolled in …

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Little Rock Police: Cars Stolen While Warming Up

Little Rock, Ark. police say a number of people have reported cars being stolen after they were started and left to warm up in cold weather. Police Lt. Scott Timmons told the Arkansas Democrat-Gazette that some cars were stashed at …

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4.0 Magnitude Earthquake Included in Swarm Near Medford, Oklahoma

A swarm of earthquakes has rattled the Medford area in northern Oklahoma, including a magnitude 4.0 quake. The U.S. Geological Survey says the earthquake struck at 8:43 a.m. on Nov. 25. Its epicenter was less than one mile east of …

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Overdue Work Comp Premiums Add to Oklahoma Jazz Hall of Fame Woes

The lawyer for an insurance company says the Oklahoma Jazz Hall of Fame is behind on its premiums and that his client has the right to seize the nonprofit group’s assets. Rick White says State Farm Insurance is owed $11,114 …

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North Dakota Man Charged with Crop Insurance Scam Wants Conviction Excluded

One of two brothers accused of scamming the government out of $2 million in crop insurance payments says a previous conviction should not be allowed as evidence in his trial. Aaron Johnson, 50, and Derek Johnson, 47, who grew potatoes …

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Missouri Regulators Urge Ferguson Business Owners to Check Insurance Policies

The Missouri Department of Insurance is urging business owners in Ferguson, Mo., to check for coverage under their commercial insurance policies if they have suffered damage in the recent civil unrest. Many businesses in Ferguson suffered damage during violent protests following …

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‘Silver Tsunami’ Predicted by Oregon Economist

A prominent Oregon economist says one of the counties hardest hit by the decline of the state’s forest industries should expect a “silver tsunami” of retirees as aging baby boomers flee California and, if predictions pan out, the Pacific Northwest …

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Wyoming Up Nearly Double So Far From Last Year

Nearly twice as many people have died on Wyoming highways so far this year compared with 2013. Wyoming Highway Patrol figures show that 135 people have died as of last week this year in highway crashes. At the same point …

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Uber Cannot Operate in Nevada Pending Regulator Case

Uber Technologies Inc. was blocked from operating in Nevada by a judge in Reno after regulators succeeded in getting the case taken from a judge in Las Vegas who had refused the halt the mobile car-booking service. Nevada District Court …

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Insurers’ Winter Storm Losses to Climb Due to Polar Vortex: I.I.I.

Insured losses from winter storms in the U.S. will climb well above $2.5 billion in 2014, double the annual average over the previous two decades. The Insurance Information Institute says the polar vortex will be responsible for much of the …

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Risk and Insurance Experts Predict Thanksgiving NFL Winners, Losers

Ah, Thanksgiving. A time for family, good meals and joy – unless your team epically flails on national television, stirring your gut into an acidic cauldron of turkey, stuffing, cranberry sauce and mounting indigestion. It can be a risk to …

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Florida CFO Arrests 5 in Alleged Staged Accident Insurance Fraud

Florida Chief Financial Officer Jeff Atwater announced the arrest of five individuals on grand theft and insurance fraud charges for their involvement in an alleged staged accident. Officials said the alleged scam resulted in fraudulent Personal Injury Protection (PIP) billings …

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Tennessee’s Brentwood Services Promotes Perkins

Cindy Perkins has been promoted to the position of support team supervisor for Brentwood Services Administrators Inc. (BSA)., headquartered in Brentwood, Tenn. In her new position, Perkins is supervising claims administrative staff to ensure workflow of administrative and clerical duties. …

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South Carolina School’s Post-Game Ritual Prompts Reputational Damage Claim

The parents of three Charleston, S.C. football players have filed a lawsuit claiming characterizations of the team’s controversial post-game watermelon ritual damaged their sons’ reputations. The Post and Courier of Charleston reported that the parents are suing the Charleston County …

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Japan Assesses Damage from Earthquake in Olympics Site Region

The damage from an overnight earthquake in a mountainous area of central Japan that hosted the 1998 winter Olympics proved more extensive than initially thought. A daylight assessment Sunday found at least 50 homes destroyed in two villages, and 41 …

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University of Memphis Earthquake Center Receives $2M Grant

The U.S. Geological Survey is awarding a $2 million grant to the Center for Earthquake Research and Information at the University of Memphis. The university said the three-year grant will help the center continue to monitor earthquakes in the central …

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