Home > Services > Insurance Services

Insurance Services

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.

  • Term Life insurance is the most straightforward form of protection. Premiums are generally paid on a monthly or annual basis and your family is protected for that “term,” typically up to 30 years.
  • Guaranteed Universal Life (GUL) insurance is something of a hybrid between term and permanent life insurance, with the ability to take advantage of the best features of each.
  • Rather than guaranteeing rates for a “term” of 10, 15, 20, 25 or 30 years, GUL guarantees rates to a specific age…90, 95, 100, 105, 110, 120 or beyond.
  • Indexed Universal Life (IUL) insurance allows the owner to allocate cash value amounts to either a fixed account or an equity index account. Policies offer a variety of well-known indexes such as the S&P 500 or the Nasdaq 100.
  • Whole Life (WL) insurance is a permanent life policy designed to last for the insured’s lifetime. Features include building cash value, level premiums.

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.

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.

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.