Capital Crest Financial Group brings you a full insurance platform, offering a wide range of product lines and carriers to support the varied needs of our clients and producers in one location. Our relationships with the industry’s highest rated and most competitive carriers allow for seamless access to a whole suite of products, including: life (Term, GUL, IUL, WL), annuities, long-term care and disability insurance.
We work closely with our carriers to promote life sales and utilize their extensive experience to provide product support, competitive analysis and consultative case design for you and/or your team. We can provide consultative case design along with pre-and post-sale case support.
Long Term Care Insurance (LTC) is an insurance product that helps pay for the cost of long-term care. Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid. LTC generally covers home care, assisted living, adult daycare, respite care, hospice care, nursing home and Alzheimer’s facilities. Policies are tailored depending on the level of care required such as in a nursing home, alternate care facility, or even at home.
Annuities are a type of policy issued by an insurance company that allows you to save money for retirement. The money you pay in can be either a lump sum or a number of payments. These contributions then earn interest, generally tax-deferred, and after a period, provide you with a stream of income.
Disability Insurance (DI) provides coverage that can provide income if you’re totally disabled due to sickness or injury and can’t work. Policy creates supplemental income to help pay for mortgage, rent, car loans, and other monthly expenses. It may also help prevent using your retirement or education savings if you can’t work.
