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Insurance &
Annuities
Trust, estate and insurance planning are often
the most complex facets of your financial strategy. We offer many
products and services in trust and estate services, life insurance,
and long-term care insurance. A Samuel A. Ramirez & Co Financial
Planner will work with you to help you choose the best options for
your individual needs.
Click
here for a comparison chart
Group Disability
The probability of a person becoming disabled prior to the age of
65 greater than the probability of death. In response, most medium
and large companies are providing group insurance for disabilities
lasting more than 6 months or a year.
Sponsored Disability
This gives companies the ability to get additional disability coverage
for Key employees
Buy- Sell agreements, disability
Many business owners have established buy-sell agreements to protect
each other in the event of the death of one of the owners. While
the death of an owner can be devastating, the probability of long-term
disability prior to age 65 is a greater. These plans utilize a special
insurance policy that will provide lump sum or periodic payments.
Group Long Term Care
A low cost way of helping you and your employees minimize the risk
of nursing home care
Sponsored Long Term Care
Ability to get extra coverage for Key personal
High Early Cash Value Life Insurance
A Life Insurance Policy designed to be owned by a business
Key Person Insurance
Specialized Life Insurance designed to cover the firm
in the event of the loss of a key employee
Business continuance insurance
Used in conjunction with a buy-sell agreement to help a surviving
partner pay the deceased partners interest. Without this protection
many partnerships have been forced to sell assets, close businesses,
loose credit and goodwill
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Non Qualified Deferred Compensation Plan
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Employer can pick and choose which employees to
benefit
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Excellent for retaining Key employees
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Plans are not subject to premature distribution
penalties
Executive Bonus Plan
An executive bonus plan is a technique of compensating
selected employees by paying the premiums of a life insurance policy
on the employee's life
Advantages for the employer
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Here to learn more
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