We don't believe in a one-size-fits-all approach. We take the time to really understand your situation and craft a personalized solution just for you. With a vast range of insurance products and services at our fingertips, we're equipped to help you achieve your financial dreams - no matter how big or small.

 

Our agents are more than just salespeople - they're passionate about what they do and genuinely care about your well-being. They'll guide you through the process with ease and answer any questions you may have along the way.

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FINAL EXPENSE INSURANCE

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What is Final Expense Insurance?

Final expense insurance, also referred to as funeral or burial insurance, is used to cover end-of-life expenses. Whether it is medical, cremations, or traditional funeral costs, these plans provide a lump-sum payout in order to ease your family’s stress during this difficult time.

• No Medical Exam Required

• Tax Free Benefit

• Builds Cash Value

• Fixed Premiums do not increase

• Level Death Benefit does not decrease

• Simplified issue (limited health questions)

• Guaranteed issue (no health questions)

• Accepts major Medical Conditions (Recent Cancer, Heart Attack, Diabetes, etc.)

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MORTGAGE PROTECTION

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What Is Mortgage Protection Insurance?

Owning a home is the American dream. However, the reality of home ownership

means paying the mortgage, which can really strain the family budget. In fact, it

often takes two incomes just to afford the monthly house payment. But what happens when an unexpected death occurs, and one income is lost? That is where Mortgage Protection Insurance plays a vital role. Mortgage protection insurance can safeguard your family against this burden to ensure the house payment is covered, even if the

unthinkable happens.al, cremations, or traditional funeral costs, these plans provide a lump-sum payout in order to ease your family’s stress during this difficult time.

• Ability to Pay off Mortgage (Debt)

• Death

• Disability

• Critical

• Chronic

• Terminal Illness

• Cash Back Options Available

• Non-medical Options Available

• Can Transfer with you (The bank or lender does not own)

Find out how to protect your house and your family by filling out the form below to request a free mortgage protection insurance quote. You will receive personalized attention from one of our highly skilled mortgage protection specialists to put together a plan that fits your budget and coverage needs.

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RETIREMENT PLANNING

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Planning for retirement is a crucial aspect of securing your financial future, and it's never too early to start. At THE JT GROUP AND ASSOCIATES, we are dedicated to helping you make informed decisions about your retirement savings, so you can live the retirement lifestyle you've always dreamed of.

 

Whether you're just starting out in your career or nearing retirement age, we offer a range of resources and tools to help you make smart choices about your retirement savings.

 

At THE JT GROUP, we believe that retirement planning doesn't have to be boring or confusing. That's why we've created an easy-to-use platform that makes it simple and straightforward to plan for your retirement. With our user-friendly interface, you can track your progress, adjust your savings plan as needed, and stay on top of your retirement goals.

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TAX-FREE RETIREMENT ANNUITIES

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What is an Annuity?

An annuity is a contract between you and an insurance company in which you make a lump sum payment or series of payments and in return obtain regular disbursements beginning either immediately or at some point in the future.

 

The goal of annuity is to provide a steady stream of income during retirement. Funds accrue on a tax-deferred basis, and like 401(k) contributions can only be withdrawn without penalty after age 59.5.

 

Many aspects of an annuity can be tailored to the specific needs of the recipient. In addition to choosing between a lump sum payment or a series of payments to the insurer, you can choose when you want to annuitize your contributions – that is, start receiving payments. An annuity that begins paying out immediately is referred to as an immediate annuity, while one that starts at a preset date in the future is called a deferred annuity.

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ANNUITIES ARE INCOME FOR LIFE  

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Saving for retirement is one of the greatest financial challenges facing Americans today. Company pension plans are a thing of the past, Social Security faces a questionable future, and 401(k) and IRA plans have maximum contribution levels that could limit your savings. With an annuity, you can benefit from tax-deferred savings and ensure that you have a guaranteed income in retirement.

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HOW CAN AN ANNUITY HELP YOU?

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Do you know how much money you will need in retirement? Have you considered what could happen if you outlive your retirement savings? No matter how well you plan, factors like inflation, tax hikes and increased medical expenses can potentially eat away at your retirement savings, forcing you to suffer a lower quality of life or rely on your family for financial support in your golden years. An annuity can help you avoid a future dilemma and safeguard your financial security by providing you with guaranteed income throughout retirement. In fact, you can structure an annuity to pay you for the rest of your life, even if you live to be 100. You can also use annuities to transfer wealth to the next generation while avoiding probate.

 

The best part? There are no monthly premiums, and your annuity is guaranteed to never lose money. For a free annuity quote and personalized help with your retirement planning, send us an email at admin@teamifg.com . Our highly trained annuity specialists are happy to explain the options available to you, and help you find the right annuity to fit your income needs.

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SOCIAL SECURITY

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How can I Optimize my Social Security to get the most out of my Retirement Income?

With over 10,000 Baby Boomers retiring daily we find them asking: When do I take Social Security? Do I collect Social Security while I am working? Am I entitled to any other benefits? What impact will healthcare costs have on my retirement? Do I take it Social Security at 62, wait until full retirement age or possibly wait until 70? These are questions that cannot be answered with a simple “one size fits all”. With over 700 different Social Security Strategies available these are questions you really want to get right. These choices can make or break a person’s retirement.

 

We offer one on one consultations that will show you how to Optimize your Retirement with Social Security. During your session we will run various options for Social Security Optimization. Things like, do I take Social Security at 62 (and take a 25% lifetime reduction) or wait until age 70 (taking advantage of the bonus given by waiting). How much will taxes affect my retirement income? Am I eligible for my Spouse’s benefit? And so much more!

 

Learn how to retire with the lifestyle you’ve worked so hard to achieve.

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