by The ELM Group | Nov 24, 2018 | Retirement Planning
An annuity is a legal arrangement involving the owner (also known as the annuitant) and an issuer (the insurance company). The contract owner makes the premium payment or payments to the insurance company and in exchange, the insurance company offers specific...
by The ELM Group | Nov 20, 2018 | Retirement Planning
Do you have a favorite charity that you’d like to give a rather large gift to? If you could pledge this gift to your charity of choice while taking legal tax-deductions and have a stream of income in return, would this be something that interests you? Here, we’ll...
by The ELM Group | Nov 15, 2018 | Retirement Planning
A tax-sheltered annuity, or TSA, is a long-term retirement planning strategy that provides a systematic, tax-sheltered approach to accumulate money for your retirement. If an individual is working at a school or some other qualifying organization covered according to...
by The ELM Group | Oct 26, 2018 | Mortgage Protection, Retirement Planning
You can easily use Mortgage Life Insurance to protect your family and Invest in Retirement… For consumers who are building a family and have invested in their dream home, purchasing Term Life Insurance to pay off the mortgage if a breadwinner dies makes a...
by The ELM Group | Oct 17, 2018 | Mortgage Protection, Term Insurance
As an independent agent for over 25 years, I’ve had many people ask me why they should consider purchasing mortgage protection insurance. It’s actually a very good question because spending money on redundant coverage doesn’t make a lot of sense, not me anyway. So,...
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