Life Insurance and Estate Planning

Our estate planning products and services include

  • Individual life insurance including
    • Term insurance (see below)
    • Whole life insurance (see below)
    • Universal life insurance (see below)
    • Life insurance with death benefits that can be used for long term care / critical illness
  • Group life insurance (see below)
  • Annuities (qualified and non-qualified)
    • Fixed annuities
    • Guarantee income annuities
    • Fixed indexed annuities (see below)
  • Bank savings alternatives (see below)
  • Bank certificates of deposits

Doug never tried to “sell” me anything. When he came over to my home, it had the same kind of feeling as a friend coming over to help you fix a leaky faucet. He was there to help. He was there to help us untangle a mess and meet the challenges we faced as a family. When we ran into complications, he stayed there with us making phone calls and doing what needed to be done until we reached the solution that was right for us. He took us from the very poor coverage that we had to much, much better coverage. Guess what? As a result of the switch, we pay less, not more. Wow. I had known about Doug for a long time, but never had any idea that he was so knowledgeable about cutting edge solutions to health care coverage problems. Most importantly, by the time we were finished, he felt like family. There’s no question in my mind about who I’m going to work with in the future. Doug’s your guy. You owe it to yourself to give him a try.
Dwight Clough, Sun Prairie, Wisconsin

Individual term life insurance

Protect your family with affordable individual term with three level term options (10, 20 and 30 year), level death benefits, family coverage and guaranteed rates. Guaranteed renewable to age 95 and convertible to age 75.

Individual universal life insurance

Adapt to changing needs by varying the face amount of your policy and your premium. Long-term care and restoration of benefits riders are also available.

Whole life insurance

This permanent whole life insurance plan provides guaranteed level premiums, guaranteed cash values and guaranteed death benefit as long as premiums are paid when due and no loans are taken.

Family coverage (life insurance)

Family coverage is available with all life products.

Group term life insurance

This is a voluntary group term life insurance product with flexible benefit designs. It can be portable and flexible, and offers guaranteed-issue underwriting enrollment with group rates.

Fixed indexed annuities

Fixed indexed annuities combine the growth possibilities of a securities portfolio without incurring the risk. When the stock market fell, these fixed indexed annuities kept paying out at the same rate, and, over time, continued to increase. They are designed to provide significant guarantees with the potential of providing more interest than a traditional fixed annuity. Every client we’ve worked with who has held fixed indexed annuities has doubled his or her money every eight to ten years.

Bank Savings Alternatives

Durations of 12 months, 36 months, 60 months, 96 months. Some plans allow you to withdraw up to 10% of your balance per year without any early withdrawal penalties. Feel free to request an interest rate quote on any of our products.

Contact Doug Trumbower to arrange for a friendly, no-pressure conversation to explore your needs and identify options that could work best for you.

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