Broker Check

Insurance

At Keim Financial Services we believe that individuals, families and business owners need to carefully review:

  1. What insurance (i.e., type, premium, death benefit & length of coverage) is currently owned?
  2. Conduct a through insurance review that includes a needs analysis and inforce illustration reviews for existing policies.
  3. An Insurance Gap Analysis can show if current insurance policies are sufficient in meeting the needs of the client (today and into the future).

Keim Financial Services provides useful solutions including both Fixed Annuities and Fixed Indexed Annuities. These products offer features such as:

  • Safety of principal and earned interest*
  • Safety of principal if held to term*
  • Minimum interest rate guarantee*  
  • May include a Long-Term Care insurance rider that can cover qualified Long-Term Care expenses**
  • Tax-deferred growth under current federal law
  • Fixed Indexed Annuities offer you a choice of interest crediting strategies based on changes in a market index or guaranteed-income option

Why Insurance?

  • Can be used to pay off debt at death
  • Income continuation source for families
  • Estate Planning via bypass of probate
  • Can be used as collateral for personal or bank loans (if there is sufficient cash value and the policy permits such loans)
  • Business continuation and succession planning when properly constructed may provide ability for the business to continue
  • Key person replacement ability may provide funding to locate an individual with special skills and/or experiences to fill in for a business to maintain the firm's core services

The correct use of insurance can be a cornerstone of one's financial plan by provide the benefits mentioned above.

*Subject to the claims-paying ability of the insurer

**Subject to a maximum monthly benefit.

 Products and features are subject to state variations and availability. Read the Contract for complete details.

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