Life & Health Insurance
With the high cost of living, it has become increasingly important to consider life and health insurance in planning for the future. Decisions made today can dramatically affect not only the future of those we love but also our ability to spend our future years in comfort and dignity.
Life insurance and related products allow us to make decisions today that will assure us that we reach the goals that we set for tomorrow.
Life insurance and related products allow us to make decisions today that will assure us that we reach the goals that we set for tomorrow.
Group Health Insurance
Group Health insurance is a benefit provided for employees. Coverages are that of an individual plan. Wimberly Agency works with some of the top providers for independent Group Health insurance, to tailor your plan to your company’s needs.
Group health insurance coverage is a policy that is purchased by an employer and is offered to eligible employees of the company (and often to the employees' family members) as a benefit of working for that company. A group health insurance plan is a key component of many employee benefits packages that employers provide for employees. The majority of Americans have group health insurance coverage through their employer or the employer of a family member. One of the advantages for employees in a group health plan is the contribution most employers make toward the cost of the health coverage premium. In many cases, employers pay one-half or more of the monthly premium for an employee. Another advantage is that most employers have established Premium Only Plans (often called POP plans) that allow employees to pay any employee-required contributions to premiums on a pre-tax basis. Between the employer contributions, which aren’t taxable for employees, and the POP plan, employer-provided health insurance is significantly subsidized due to these tax breaks.
Life Insurance
Protect your loved ones by allowing our specialists to build your perfect life insurance policy that meets your needs and is affordable.
Annuities
Annuities are a great financial product that is designed to grow funds from an initial investment and then, upon annuitization, pay out a stream of payments to the individual at a later point in time.
An annuity is a contract between you and an insurance company that requires the insurer to make payments to you, either immediately or in the future. You buy an annuity by making either a single payment or a series of payments. Similarly, your payout may come either as one lump-sum payment or as a series of payments over time.
People typically buy annuities to help manage their income in retirement. Annuities provide three things:
Group Health insurance is a benefit provided for employees. Coverages are that of an individual plan. Wimberly Agency works with some of the top providers for independent Group Health insurance, to tailor your plan to your company’s needs.
Group health insurance coverage is a policy that is purchased by an employer and is offered to eligible employees of the company (and often to the employees' family members) as a benefit of working for that company. A group health insurance plan is a key component of many employee benefits packages that employers provide for employees. The majority of Americans have group health insurance coverage through their employer or the employer of a family member. One of the advantages for employees in a group health plan is the contribution most employers make toward the cost of the health coverage premium. In many cases, employers pay one-half or more of the monthly premium for an employee. Another advantage is that most employers have established Premium Only Plans (often called POP plans) that allow employees to pay any employee-required contributions to premiums on a pre-tax basis. Between the employer contributions, which aren’t taxable for employees, and the POP plan, employer-provided health insurance is significantly subsidized due to these tax breaks.
Life Insurance
Protect your loved ones by allowing our specialists to build your perfect life insurance policy that meets your needs and is affordable.
- Universal Life
- Term Life
- Return of Premium Life
- Key Employee Life
Annuities
Annuities are a great financial product that is designed to grow funds from an initial investment and then, upon annuitization, pay out a stream of payments to the individual at a later point in time.
An annuity is a contract between you and an insurance company that requires the insurer to make payments to you, either immediately or in the future. You buy an annuity by making either a single payment or a series of payments. Similarly, your payout may come either as one lump-sum payment or as a series of payments over time.
People typically buy annuities to help manage their income in retirement. Annuities provide three things:
- Periodic payments for a specific amount of time. This may be for the rest of your life, or the life of your spouse or another person.
- Death benefits. If you die before you start receiving payments, the person you name as your beneficiary receives a specific payment.
- Tax-deferred growth. You pay no taxes on the income and investment gains from your annuity until you withdraw the money.
"Proudly Serving You Since 1958"
