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Contact us @ 1-800-591-3920 or USAInsurance@cox.net with questions or to find the best coverage to match your requirements.

401(k) Tax Trap

Are you tired of losing money in the market?

There are over 65 Million people in the USA putting money into tax traps like a 401(k) every day.

If you believe taxes will increase in the future like most Americans and financial experts – why save funds pre-tax?

One of the only valid reasons is to receive a employer matching contributions. Any savings above the employer match should be in an after-tax account, such as Indexed Universal Life Insurance or Lifetime Income Annuity.  In most cases, you will receive a huge increase in net worth, plus 200%-300% more spending money in retirement.

 

* Guaranteed 3%-4% Fixed Interest

* Upside Market Gains (S&P 500, Nasdaq, DJIA, EuroStoxx, etc.)

* Zero Downside Risk of Loss

* Guaranteed Lifetime Income

* Accelerated Benefits in case of Critical, Chronic or Terminal Illness

* Long Term Care Funding

* Tax-Free Death Benefit 

Contact us @ 1-800-591-3920 or USAInsurance@cox.net to compare your options and protect your assets.

New Medicare Supplements

Are you confused about Medicare Supplement options?  We make it simple!

New Medicare Supplements are available that reduce costs and cover 100% of Preventive Care, including: Routine Physicals, Mammogram, Pap Smear, PSA, Bone Density, Colorectal Screening, Immunizations, etc.

Contact us @ 1-800-591-3920 or USAInsurance@cox.net for details or quotations.

95% of Disabilities Not Covered by Workers Comp

Only 5% of Disabilities are due to work related Accidents or Illnesses and covered by Workers Compensation, according to the Council for Disability Awareness.

And, 97% of Social Security Disability recipients receive less than $2,000 per month, which can take 6-12 months for approval.

How would you pay your monthly expenses or offset the loss of income? 

Contact us @ 1-800-591-3920 or USAInsurance@cox.net for low-cost protection.

Are You 1 Accident or Illness from Bankruptcy?

Over 80% of Americans are one Accident or Illness away from Bankruptcy, according to recent studies.  Are you protected?

We have a variety of low-cost plans that provide financial protection in case of Accidents, Critical Illness (Cancer, Heart Attack, Stroke, etc.), Chronic Illness, Disability, Final Expenses, Long Term Care, Terminal Illness or Death.

Contact us @ 1-800-591-3920 or USAInsuranceBrokers@gmail.com for additional information.

Do you have a Living Will and Medical Directive?

Over 70% of Americans die without a Will leaving a legal and financial nightmare, according to the American Bar Association.

Contact us @ 1-800-591-3920 for state approved Living Will, Medical Directive and Power of Attorney forms at no cost.

10 of Top 20 Carriers Exit Long Term Care Market

Do you need Long Term Care coverage?

Do you already have a policy?  Are you sure?

You should expect higher costs and a much more difficult approval process as a growing number of household-name insurers stopped selling LTC policies.

According to Limra International, 10 of the Top 20 insurers have exited the market, including: Guardian Life; Hartford; MetLife; Penn Treaty; Prudential; and Unum Group.  In July 2012, Genworth Financial and TransAmerica also suspended further sales, until new plans and rates are approved.

Other LTC carriers have increased premiums up to 40%, due to increased life expectancy, higher utilization and reduced investment return rates.

Contact us for information on plans with guaranteed level premiums and increased financial protection.

100% Coverage for Preventive Care

Does your Health Insurance policy cover 100% of Preventive Care (Routine Physicals, Mammogram, Pap Smear, PSA, Colorectal Screening, Child Wellness, Immunizations, etc.) with no Co-pay or Deductible?

All new Major Medical policies are required to cover these services and many more at no cost.

Contact us @ 1-800-591-3920 or USAInsurance@cox.net to compare your best options.

Hybrid Policies Increase Financial Protection

New Hybrid Annuities and Living Benefit Life policies, include financial protection in case of Accidents, Critical Illness, Chronic Illness, Cognitive Impairment, Disability, Long Term Care and/or Terminal Illness.

Hybrid policies improve coverage and are significantly less expensive than individual plans. In addition, many of the policies provide a Guaranteed Lifetime Income.

Please contact us @ 1-800-591-3920 or USAInsurance@cox.net for additional information.

Individual vs. Employer Group Coverage

Do you understand the differences between Individual and Group coverage?

Click Link for a list of the advantages and disadvantages of Individual vs. Employer Group coverage or go to http://www.usainsurancebrokers.com/Individual-vs-Group.pdf

Living Benefit Life Videos

Do you have adequate coverage to protect your family, home and assets?

Click Link for video and testimonials or go to http://www.youtube.com/user/USAInsurance

Our unique "Living Benefit" Life policies accelerate up to 100% of the face value in case of Critical Illness (Heart Attack, Stroke, Cancer, etc.); Chronic Illness; Cognitive Impairment; Terminal Illness; or Death.

One policy can provide low-cost financial protection to cover: Medical Bills; Disability Income; Long Term Care; Nursing/Home Healthcare; Mortgage Protection; Household Expenses; Childcare; College Funding; Travel; Final Expenses, etc.

Premiums are no higher than policies that only pay a Death benefit and significantly lower than Critical Illness, Disability and Long Term Care plans.  Please contact us for quotations.

Free Annual Review

We specialize in showing Individuals, Self-Employed, Small Business and Employer Groups proven strategies to a) improve coverage, b) increase financial protection and c) reduce premiums 30% to 70%.

Please contact us if you know anyone that we may be able to assist @ 1-800-591-3920 or USAInsurance@cox.net.