Annuity Products
An annuity is a contract regarded as an investment with an insurance company. Annuities provide opportunities to liquidate accounts in the form of systematic payments. Annuity payments can be received over a specific number of years, in a lump sum or in guaranteed payments for the rest of your life. Withdrawals are also available, but may result in a surrender charge.
Dental Insurance
Consider these facts in deciding if Dental Insurance is right for you:
- Costs for dental services continue to skyrocket.
- A variety of plan options available.
- No networks* required, see any dentist!
- Immediate coverage for most services, plans available without waiting periods.
- No enrollment fee and no monthly administration charges!
- Initial 12 month rate guarantee.
- Coverage for families.
PrimeStar Plans are only available for online purchase to residents of the following states: NEBRASKA.
For more information, please contact James Arnholt at (402) 684-2901 (during normal business hours or home at 402-684-2810) or send an email to jimarnholt@gmail.com
* Selecting a dental provider within the PPO network may provide additional discounts, but is not required.
Disability Insurance
Personal Disability Insurance replaces income lost when you can't work because of illness or injury, up to the policy limits. Business Overhead Expense coverage will pay for normal operating expenses of a business, up to the policy limits, while the owner(s) is/are disabled and can't work, thereby keeping the doors open till he can work again. Disability Buy-Out coverage provides funds, up to the policy limits, to a business partner to buy out a Disabled Partner. Insurance contracts have exclusions, limitations, reduction of benefits, and terms under which the contracts may be continued in force or discontinued.
Call us for more information about this important coverage.
HSA Health Insurance
HSA's (Health Savings Accounts) are special checking accounts that can be set up if you have a HDHP (High Deductible Health Plan). See IRS website http://www.irs.gov/publications/p969/ar02.html#d0e115 Your tax person MUST be involved in your decision to start an HSA. These IRS qualified Health Insurance Policys are higher deductible plans which usually saves a substantial amount of premium dollars. The premium savings are then deposited into the HSA and are tax deductible, thus saving you income taxes, while building a reserve for health expenses incurred. Depending on the state, HSA contributions and earnings may or maynot be subject to state taxes. The HSA funds are spent tax free if they are spent for qualifying health expenses. See IRS publication 502 at http://www.irs.gov/publications/p502/index.html
Traditional and Roth IRAs
Traditional and Roth Individual Retirment Arrangements (IRA's) are of greater benefit for those who do not have a retirement plan available at their place of employment. Your tax person MUST be involved in your decision to start an IRA. You may wish to access the IRS website http://www.irs.gov/retirement/article/0,,id=131781,00.html or http://www.irs.gov/retirement/article/0,,id=111413,00.html to learn more. Contributions are limited each year, yet another reason to consult your tax person and/or the IRS website. IRA's can be transferred from one custodian to another without tax penalty if the correct procedure is followed. This allows you to move your IRA if you are not satisfied with the way it currently accumulates. Arnholt Insurance Agency can help you move your current IRA or determine which type (if any) IRA is right for you and offer several types of accumulation products that you are the most comfortable with. Contact us anytime, we are here to help.
Specialty Products
In addition we offer a number of specialty products. We can provide more information on Travel Insurance, Dental Insurance, Vision Insurance, Prescription Drug Cards, and Non-Insurance Medical Discount Programs.
To speak with a licensed insurance agent, call (402) 684-2901 during normal business hours or home at 402-684-2810.