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Annuity Carriers We serve independent agents nationwide with dependable service and a complete line of core, voluntary and individual products. We offer annuity products from the carriers, please contact us for product information and contracting.

Here at The Jordan Insurance Group, we specialize in Life Insurance in C... Contact us at The Jordan Insurance Group for more information on Life Insur...

Here at the Jordan Insurance Group we specialize in Long-Term Care Insur...epresentative at The Jordan Insurance Group to take care of all of your Long-T...

Keyman protection meets the needs of large-scale corporations, but it is extremely necessary for small to medium-scale businesses as well. One of the main reasons is because small or medium-sized businesses depend on important employees for their success. In the event that one of these key employees die or becomes disabled, a company could possibly collapse. Keyman Protection for Start-up Businesses All companies rely on their key employees for success, but a start-up company will depend more on the capabilities of only a few employees. These employees can include salespeople, executives, and other employees with specialized occupational backgrounds. These positions are all important especially for businesses that are just starting out. New businesses value these employees greatly since they are highly needed during the early stages when it is important to establish a company’s foundation. When a key employee faces death or disability, a company could possibly face financial trouble and worse, financial ruin. Securing a keyman insurance policy for key individuals is critical to help protect a company from facing turmoil. Purchasing keyman protection requires only minimal costs compared to the effects of not being prepared for the loss of a key employee. Keyman Protection and Small-Scale Businesses Small businesses should be able to secure the funds needed to replace key employees when an important employee is n o longer able to maintain a key company position. These businesses should also have the necessary funds to make an easy transition in the event that a key employee retires from the job. Planning for the individual who will become an excellent successor is also important for any small-scale business. Keyman protection plays an important role in the entire process. Many owners of small-scale businesses have their own personal assets tied into the entire company. Having a keyman insurance policy can help provide the cash needed to make a smooth transition of the company ownership without compromising a company’s cash flow. Keyman Insurance Helps Your Company Throughout Its Growth There are many successful businesses that start from small beginnings and you should not allow anything to get in the way of your company’s growth. Protect the valuable people who are a part of your company’s success with keyman insurance policies.

Getting life insurance in can be the responsible choice if you are a significant earner in your family. And it may be the most selfless thing you ever do. Protecting you family financially in the event of an untimely death can give you a great sense of comfort and peace of mind. Failing to do so can leave loved ones with incredible stress and a financial burden that can be overwhelming. The payouts from life insurance can protect your family in the future should something bad happen to you. Part of the process involves considering your options for policies and providers and comparing quotes. A policy with a longer term and greater benefits is more expensive, but it is important to also understand the other factors that affect the quotes. Your Age and Gender Younger individuals can obtain less expensive life insurance because, simply enough, they are less likely to die and require the provider to pay benefits. On average, women can expect lower quotes than men of the same age. It’s not a question of favoritism toward women. The truth is that women have longer life expectancies than men. Your Lifestyle and Occupation Smokers are at higher risk for heart disease, certain cancers, respiratory illnesses, and death. If you smoke, your life insurance quotes are going to be higher than for someone who doesn’t smoke or use tobacco. Similarly, drinking is also associated with health risks, and heavy drinkers can expect higher quotes. You can get lower rates by quitting smoking or drinking. Individuals with high-risk occupations, such as police officers and dirt bike racers, have higher rates than those with low-risk occupations, such as those involving office jobs. Your Health Your quote considers your current health, health history, and family history because these all affect your risk of dying. Chronic conditions, such as cardiovascular disease, diabetes, and cancer can all raise your rates. You can lower your rates by managing certain chronic conditions. For example, keeping your blood sugar in check if you have diabetes can get you a lower quote. Since obesity is a risk factor for health complications and death, your quote is likely to be higher if you are obese. Losing weight can get you better rates.

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We serve independent agents nationwide with dependable service and a complete line of core, voluntary and individual products. Please call or e-mail for quotes, product information and contracting. An Independent Marketing Company Serving Life and Health Insurance Agents Nationwide A Harbor Financial Partner Integrity—Independence—Innovation