WINTER LIFE BLOG

1. Experience and Expertise

Winter Insurance Group brings over two decades of experience in the insurance industry. With this extensive background, they have a deep understanding of various insurance products and can guide you effectively. Whether you’re looking for life insurance, annuities, long-term care coverage, disability income protection, critical...

Estate Planning Simplified

Growing older comes with many challenges but estate planning does not need to be one of them. It is important to prepare for medical emergencies and the distribution of your estate. Take advantage of your LegalShield membership to begin the estate planning process.

Your LegalShield provider...

The 5 Basic Money Rule

Most of us attend school for more than a decade to learn about reading, writing, and arithmetic –but never about our finances! Our agency was founded on the belief that Middle Americans should be provided with a sound education on how money works....

While life insurance generally benefits your loved ones after you pass away, it can also benefit them (and you) before that time comes through something known as living benefits.

Term Life Living Benefits

Term life insurance covers you for a set amount of time, or term. It provides...

Medicare Supplement insurance, often called Medigap, helps with some of the medical out-of-pocket costs and deductibles Original Medicare does not cover.

What are some of the costs Medicare doesn’t cover?

There are three types of payments the insured person is responsible for and not covered by Original Medicare. These are:

Deferred annuity

This type of annuity is good for long-term retirement planning for the following reasons:

Payments on income taxes are deferred until you withdraw the money.

Unlike a 401(k) or an IRA, there are no limits on your annual annuity contributions.

There is a death benefit. If you die...

Cory and Asia Schroeder are the most unlikely couple and, yet, the most likely couple. They met under the saddest of circumstances, but now married for 13 years, they have used their relationship to transform the unimaginable into the possible.

You see, Asia was the widow of Peter, a Marine...

You can think of a lifetime annuity as investment vehicle that functions as a personal pension plan. Sometimes referred to as “single life,” “straight life,” or “non-refund,” these are a form of immediate annuity that provides income for your entire life. The payments can be increased to cover a second...

Why is disability insurance important?

Few people ever anticipate experiencing an illness or accident that might cause them to miss months or years of work, but it can happen. Disability insurance can help you stay on top of your finances. When you don’t have to worry about how to replace...

A permanent life policy provides lifelong insurance protection. The policy pays a death benefit if you die tomorrow or if you live to be a hundred. There is also a savings element that will grow on a tax-deferred basis and may become substantial over time. Because of the savings element,...