At Joseph Banks Wealth & Retirement Solutions we take our Job serious because we know you are serious when it comes to finding the right solution to your problem. That is why we offer a vast array of life Insurance Products and Retirement Solutions from the top Companies in America.
At Joseph Banks Wealth and Retirement Solutions, we help you find the best life insurance, retirement plans and investment opportunities in safe money markets.
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Medicare does not cover all health bills. So Medicare Supplement policies offered by private health insurers help fill in those gaps: things like co-pays, deductibles for hospitalization and doctor visits. That’s why you’ll hear "Med Supp" called "Medigap." There are a variety of plans — Plan A through N — but each plan is standardized. Every carrier’s Plan F, for example, offers the same benefits. But prices vary by carrier. We are now offering expert advice on all Medicare products. Get your FREE QUOTE today.
.Looking for The perfect perk for your Employees? We work with American National Safe Harbor 401(k)s They are designed to allow owners and highly compensated employees (generally owners and those making over $130,000) to contribute up to the maximum dollar limit as their 401(k) elective deferral without regard to what other employees contribute. The maximum deferral for 2020 is $26,000 if a participant is age 50 or over.Contact us For free Consultation.We will come to you
An annuity is an investment product that provides safe, tax-deferred growth of your retirement nest egg. Annuities are considered low-risk, and can provide guaranteed, monthly income when you retire. There are many types of annuities with varying features & benefits. These include: fixed, variable, immediate, deferred & hybrid. We can you help you understand the various types of annuities and debunk any myths you may have heard before you purchase.
.Universal life insurance (UL) is a type of cash value[1] life insurance, sold primarily in the United States. Under the terms of the policy, the excess of premium payments above the current cost of insurance is credited to the cash value of the policy, which is credited each month with interest. The policy is debited each month by a cost of insurance (COI) charge as well as any other policy charges and fees drawn from the cash value, even if no premium payment is made that month. Interest credited to the account is determined by the insurer but has a contractual minimum rate Often 2%
Term life insurance or term assurance is life insurance that provides coverage at a fixed rate of payments for a limited period of time, the relevant term. After that period expires, coverage at the previous rate of premiums is no longer guaranteed and the client must either forgo coverage or potentially obtain further coverage with different payments or conditions. If the life insured dies during the term, the death benefit will be paid to the beneficiary. Term insurance is typically the least expensive way to purchase a substantial death benefit on a coverage amount per premium dollar basis
.Whole life insurance is the most common type of permanent life insurance policy that people purchase, according to the Insurance Information Institute. Like most permanent life insurance policies, whole life also offers a savings component called "cash value.Let us get you a quote Today
There are several ways families pay for college,
Unlike a traditional savings or investment accounts which don’t guarantee a payout, you can secure a guaranteed payout of $10,000 to $150,000 with an endowment life insurance policy such as the Gerber Life College Plan. Once the policy matures, you can use the payout money to help cover college expenses – or anything else your child needs for a successful future. The College Plan places no restrictions on how the money is used.
As the name implies, mortgage Protection life insurance, or mortgage protection insurance, is there to repay your mortgage in the event you die or become unable to work. We offer Simplified coverage that does not include any medical exam.Once the policy is Issued the client is also eligible for a living benefit as well. This means that the policy holder doesn't have to die in order to collect He or She can collect up to 90% of the Face amount in the event they become Critical,Chronic or Terminal.
Get a Personalized Quote to See What's Right for You. Coverage From $2000-$50,000. Compare Companies, Rates and Terms to Choose the Best Final Expense Insurance Plan.Let Us help you Plan for your Burial
.TRADITIONAL IRA
BUILD YOUR OWN RETIREMENT A retirement account which allows you to contribute a certain amount of income every year. The income can be contributed before tax, allowing your money to grow tax-deferred. After age 59 ½, withdrawals are treated and taxed as current income. I can help you determine whether a Traditional IRA is right for you, set up and manage the account, and help you manage your income from the account in retirement.
401(K) ROLLOVER
MAKING ROLLOVERS SIMPLE Whether you’re starting a new job, combining retirement accounts from previous jobs, or just want an independent option for your 401(k), I'm happy to help. We’ll handle the whole process for you and get you an account that’s easy to understand, contribute to, and manage.
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IRA'S
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