At APS Financial, we have vast expertise in Asset Protection services which are specifically tailored to assist you to live the dream retirement you have worked your entire life for.
Here, when you approach us with your real estate and retirement protection needs, we assign one of our best representatives to you. We start a unique planning process by getting a comprehensive idea of what your goals are and then building an effective and efficient financial strategy to meet your goals.
No matter what your goals are, we are here to come up with the best possible solution to meet your needs and secure a robust financial future. You are more than a client to us, you are a top priority to us. We are focused and passionate about working with you to provide you and your beloved family the financial stability, financial security, and financial independence you deserve.
Here is what we offer to our esteemed clients:
Insurance for Individuals & Families
If you're starting a family, buying a home, planning a trip, or protecting your portfolio of properties, it is imperative for you to look for a secured future. After all, you don’t want to live your life with a sense of fear of financial instability.
There is no denying that financial protection is one of the most important aspects of any one’s life. We pride ourselves at providing unique coverage and products that can help give you a stronger future. We understand that the possessions you value most should be protected for a better future of you and your family. Contact us to know more about how you can protect your valuable possessions.
If you are like many people, your home is the most important thing you own. There are high chances that a good chunk of your income goes to pay the mortgage every month. Have you ever imagined what would happen if your income wasn't there because you died prematurely or became disabled? What if you suffer from a heart attack and are out of work for several months? What if you or your spouse passed away unexpectedly and there aren’t many options to keep up with the mortgage payments? Life is unpredictable and this means that we have to be prepared to handle any unanticipated event in our life.
To provide you the much-needed peace of mind, we’ve partnered with many trusted insurance carriers that have been serving American families for more than 100 years. Through our partnerships with life insurance carriers, we are able to provide clients with a wide range of choices for their budget and coverage needs.
At APS Financial, we’re the mortgage protection experts who specialize in assisting American families to protect their most prized asset. Let us protect your house and family without wasting any time. Our agents offer a variety of Mutual of Omaha products for our clients to choose from, giving clients the full scope of available coverage and pricing so they can make the best choice for their needs.
Whole Life/Burial Insurance
Burial insurance can be explained as a type of funeral expense life insurance policy that is specifically designed by the insurance provider to cover the entire cost of your funeral or cremation expenses when you die. Not many people realize that funerals are not cheap and they can easily cost upwards of several thousand dollars. After all, the expenses of a casket, headstone, flowers, burial spot, and transportation add up to make a huge bill that has to be paid and mostly the grieving family has to do it. This type of situation can sometimes lead to a financial hardship on families or loved ones who must cover the costs.
“Burial insurance" usually refers to a whole life insurance policy with a death benefit of from $5,000 to $25,000. As its nickname implies, people buy this type of policy to provide money for funeral and burial costs for themselves and/or family members. It is possible to buy a policy after answering a few health-related questions on the application and with no medical exam.
Our expert advisors can help you choose the best burial insurance policy that ensures your family receives the needed funds to cover the cost of your funeral expenses. This is a highly recommended insurance policy as it makes sure your family doesn’t have to deal with any extra stress of paying for a funeral at the already traumatic time.
Advantages of Burial Insurance Policy
- Burial insurances are affordable and almost everyone gets approved
- They usually pay out much quicker upon death compared to other types of life insurance policies
- They fund all the costs of the funeral
- Unless you have significant health complications, coverage is day 1
- The death benefit is tax-free
- They cover moderate to significant health conditions such as obesity, heart conditions, etc.
APS Financial can assist you in choosing the best diversification plan to help safeguard your assets in the manner you want to reach your financial target. Together, we’ll find your strategies, come up with our new solutions and then we will integrate them into your financial road map. We can certainly help you build an asset protection strategy that is appropriate for your requirements.
With our asset protection services, the main objective is to help you keep more of your money for a secure financial future of you and your family rather than giving it to the IRS. To discover more our industry-leading asset protection services, please contact us.
Understand AnnuityAn annuity is a long-term retirement savings product that can help protect you from outliving your money. The primary goal of annuity is to provide a steady stream of income during retirement and you don’t have to live with the fear of outliving your retirement.
Fixed indexed annuities can help you save money on a tax-deferred basis and can guarantee you'll receive income for life. So no matter how long you live, you won't outlive your retirement income.
Fixed AnnuitiesA fixed annuity is a type of annuity that provides a guaranteed interest rate as it is a contract that enables for the accumulation of capital on a tax-deferred basis. Adding a fixed annuity to your portfolio can offer choices to help design a customized retirement solution with guaranteed interest earnings and protection from market volatility.
As fixed annuities are insurance considered effective products which protect against the risk of outliving your income, they can be a perfect part of your retirement plans. Fixed annuities can offer tax-deferred growth, options for guaranteed income benefits, and flexible access to funds.
When Would You Most Likely need a Fixed Annuity the Most?
- Saving for retirement – If you're already contributing the maximum to other retirement plans, like an IRA or 401(k), a fixed indexed annuity is an attractive retirement planning option that grows tax-deferred.
- Won't need the money soon – If you don't anticipate needing the money from a fixed indexed annuity prior to the time you turn 59½, then a fixed indexed annuity may be a good option for you.
- You're worried you might outlive your savings –Annuities can provide guaranteed income for the rest of your life, whether you live to be 100.
- Providing Death Benefit to Loved Ones –If you want to provide your loved ones with a death benefit in the event of your death, then a fixed annuity is highly recommended.
Want To Know More?
If you have any query related to our services or want to get a free consultation, then please contact us. One of our reps will get back to you within 24 hours.SCHEDULE AN APPOINTMENT