Insurance Service

Insurance Overview

The mission of FINANCIAL INTERNATIONAL INSURANCE SEVICES is to provide insurance products that serves, fulfills, and assist in the mitigation of financial risk management. The concept of "Needs Analysis" is to identify and assist in determining the appropriate insurance product to minimize financial exposure to the financial risk identified in the analysis process. When was the last time you had a POLICY REVIEW?

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Product Types - Insurance Basics -

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Life

Life insurance is a legally binding contract that pays a death benefit to the policy owner when the insured person dies. Life insurance is the financial support for those loved ones who's financial dependance has been devasted by the loss.

Term

Term insurance is a type of Life insurance policy that covers a certain period of time. If the insured dies during the time period specified in a term policy and the policy is active, a death benefit will be paid. Most term policies offer level premium for the duration of the policy.

Disability

Disability insurance is a type of insurance protecting against loss of income due to disability. Disability insurance is available through both public and private programs.

Health

Health insurance is a contract between a company and a consumer. The company agrees to pay all or some of the insured person's healthcare cost in return for payment of a monthly premium.

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Long Term Care

Long Tern Care (LTC) insurance is coverage that provides nursing-home care, home-health care, and personal or adult daycare for individuals age 65 or older or with a chronic or disabling condition that need supervision. LTC insurance offers more flexibility and options than many public assistance programs.

Annuity

Annuities are insurance contracts that promise to pay you regular income immediately or in the future. A deferred annuity has an accumulation phase followed by a disbursement (annuitization) phase: an immediate annuity converts a lump sum into cash flows from day one.

Indexed Annuity

An indexed annuity is a type of annuity contract that pays an interest rate based on the performance of a specified market index, such as the S&P 500. Indexed annuities are sometimes referred to as equity-indexed or fixed indexed annuities.