FAQs

Q:
What will your service cost me?

A:
Because we are paid from the companies whose products we offer, we do not charge service fees.

We build relationships and our clients like to stay with us for life. That’s why we like to take the time to get to know you, your goals, your budget, and your needs. In this way, we can select from among hundreds of options and programs to create a solution that is uniquely you, one that will bring the best value to you and your family.


Q:
What company do you work for?

A:
We work for you! Because we are independent agents, we are not contracted with only one company. We scour the market for the best values for you. At present, we work directly with over 30 different companies and contract with several other agencies to provide you with the best solutions among hundreds of options.


Q:
Are you able to help with Obamacare also known as the Affordable Care Act?

A:
Yes! We are certified by the Centers for Medicare and Medicaid to assist you. In fact, we’ve helped many individuals find solutions in the Health Insurance Marketplace.


Q:
What’s available for income planning?

A:
We can show you products that off strong growth bonuses, steady income, guaranteed interest for life, and/or the principle can be recovered if you so desire. (You are not required to forgo the principle. In some cases, “early withdrawal” penalties may apply.)


Q:
Do you have products that perform better than Certificates of Deposits (CD’s) at a bank?

A:
Absolutely! Our companies with the lowest rate of return are significantly better than current (May 2015) interest rates for CD’s.


Q:
What kind of returns have you seen with fixed indexed annuities?

A:
While returns vary, most of our clients have doubled their money in less than ten years. The results you get will depend on a number of factors that we can discuss when we meet.


Q:
Does the money in fixed indexed annuities go into the stock market?

A:
No, but the growth of the stock market determines the earnings of fixed indexed annuities with one very important difference. When the stock market goes up, the value of fixed indexed annuities goes up. However, when the stock market goes down, the value of fixed indexed annuities remains steady. Fixed indexed annuities rise with the stock market, but they do NOT fall with the stock market.


Q:
Do you help with voluntary benefits?

A:
We have a wide range of voluntary benefit programs including accident, disability, cancer, hospital, legal, identity theft protection, and more. These programs can be a great way to increase productivity without necessarily increasing costs. Some of these programs are pre-tax, allowing you to reduce your payroll tax burden.


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

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