Partnering for all your individual protection needs.
Wheeler & Taylor Insurance has partnered with The Thompson Agency to review and recommend top tier personal protection products that meet your needs.
The Thompson Agency has 60+ years in the personal protection space offering only top level carriers and products.
Life Insurance
Individual Life insurance plays a vital role in protecting your family. Unfortunately only 30% of Americans own a life insurance plan beyond the coverage they have through work.
There are many types of Life insurance, from Instant decision Term life insurance to advanced Cash value life insurance products. Let us help you review your needs and your current coverage.
We make recommendations, you make decisions!
Schedule a Life Insurance Consultation
Free Life Insurance Policy review
Let’s review your current life insurance policies. You may not have enough coverage, or you might be all set. Either way, let’s make sure.
Term Life Insurance
Term life insurance provides an inexpensive way to protect your family from your largest liabilities (Mortgage, loss of income, etc). Great for the what if I die young scenario.
Guaranteed Universal Life
Extending the death benefit for your entire life with little to no cash value growth. Making sure your family will receive the benefit you want them to when you pass on.
Indexed Universal Life
Cash Value life insurance, can be used for retirement planning, or just giving yourself options in the future. Similar in cost to a GUL with a shorter death benefit Guarantee, but the chance for cash value growth.
Participating Whole Life
A flagship life insurance plan. Offers lifetime guaranteed death benefits, guaranteed cash value, and dividends that grow the cash value. The most expensive type of insurance, but very popular.
Final Expense Insurance
A whole life product designed for your final expenses. These types of plans are most often simplied or guaranteed issue with death benefits from $5,000 to $25,000.
Long Term Care
Did you know that 60% of Americans over the age of 60 will need some type of Long Term Care service in their lifetime. However less than 10% of these people own an Individual Long Term Care policy.
There are more options than ever to help protect your hard earned retirement fund, and help reduce the stress of relaying on your family for your care.
Let’s discuss all the options and find the one that is right for you!
We make recommendations, you make decisions!
Schedule a Long Term Care Consultation
Traditional LTC policy
The original Long Term care plan is still the most cost effective way to protect for this event. Inflation protection riders make sure that your coverage grows with the cost of care.
Hybrid Life/LTC plans
Also called Asset Based LTC plans, these types of policies are designed as a single pay or short pay option. They incorporate a small life insurance policy, and leverage that benefit for Long Term Care needs.
Traditional Life insurance with Acceleration Riders
This policy provides a level lifetime death benefit, while providing you access to that death benefit while you are alive, for Long Term care expenses. No inflation rider available on this one.
Disability Insurance
Did you know that during the course of your working years you are 3.5x more likely to be injured and need disability coverage than you are to die and need life insurance?
Disability Insurance has always seemed more complex than it is, and while the covreage can be costly, our goal is to protect your family from your largest liability, your mortgage or rent.
Let’s discuss all the options and find the one that is right for you!
We make recommendations, you make decisions!
Schedule a Disability Consultation
Blue Collar Disability plans
Unlike Life Insurance, Disability plans are very dependant upon your occupation and duties. With that in mind there are specific carriers that focus more on the Blue Collar occupations.
White Collar Disability Plans
For the larger disability carriers they choose to focus their products on the less risky occupations. They offer higher monthly limits and longer benefit periods.
Fixed Annuities
If you have noticed that Interest rates are finally on the rise you are not alone. Fixed annuity carriers are more busy than they have been in 10 years.
Fixed Deferred annuities come in two types, Multi Year Guarantees, or Fixed Indexed Annuites. However, income annuities are also very popular and helpful in retirement.
Let’s discuss all the options and find the one that is right for you!
We make recommendations, you make decisions!
Schedule an Annuity Consultation
Fixed Income Annuities
Single Premium annuities used to set up an income stream in retirement
Multi Year Guaranteed Deferred Annuities
Designed for growth with protections, these annuities guarantee an interest rate for a set number of years
Fixed Indexed Annuities
Also designed for growth, these annuity products are tied into an index usually the S&P 500. Your growth is tied to the success of the index, but your money is also protected with a floor. You cannot loose money if the index is negative.
Peter Zinnen
Life Insurance, Long Term Care, Disability & Annuity Expert
Contact Peter for help with Long Term Care, Disability or Annuities.
Schedule a call with Peter Zinnen