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MyAgentNow! ...by Wayne McCullough, LUTCF |
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Menu of Products & Services |
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- Major Medical - I have plans for individuals, families, and group plans for small to large employers. There are even plans for "short term" needs, such as 30 days to 90 days, while you may be waiting for an employer plan to start, or for college students. (see my "news you can use" section for highlights of the new Health Savings Accounts - HSAs ). For more information on HSAs and other tax advantaged health plans, click here to visit the IRS website and view Publication 969.
- For free instant online Medical quotes:
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Disability Income - Your "ability to earn an income" is the greatest financial asset for working people, so you need to make sure coverage is sufficient. If you were sick or hurt for an extended period, what sources of income would you have? If you have disability protection at work through a group plan, that's great. But, there may be limitations to any employer-sponsored coverage that you have (ie. can't keep it if you change employment, rates can go up anytime, benefit may be taxable, the benefit may only cover a small percentage of your pay). I will help you review this, and suggest ways to protect your income.
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to order a Disability Income quote.
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*Free buyer's guide, see info at bottom of this page |
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- Retirement Plans - Whether you are an individual looking for the right type of IRA, a self-employed person looking for options, or an employer with a small or large number of employees, I can help with IRAs, SEP plans, 401k, etc. If you are changing employers, or retiring, and have questions about what to do with your 401k, call me for options. I also offer TSAs (403b Tax Sheltered Annuities) to teachers, so call for info.
- Click this link to go to my article on IRAs:
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Business Continuation - Your business probably does well with you there each day, taking care of it. What would happen to your business if you were to die, become disabled, or retire? Perhaps you are a partner, or a stockholder-owner, and need coverage to fund a "buy-sell" agreement. I will work with your attorney and accountant to make sure plans are in place to provide for these eventualities. Visit the "businessowners" section to the right for other areas of interest to employers.
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To go there now,
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*Free buyer's guide, see below |
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Estate Plans - Many people think that the estate tax problem has "gone away" with law changes made in 2001, and current discussions going on in Congress. But, you may not be aware of all the details that can have a serious effect on the net amount passing to your heirs. I can work with your other advisors to create liquidity funding which can help provide for the orderly distribution of your estate.
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To view my articles related to Estate Planning, |
- Annuities - Perhaps the least understood of the financial products available today, Annuities can really help you with long-term retirement planning. I have many different types, and will recommend them when appropriate.
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to view an informational presentation on Annuities in PDF format (Just use your arrows to scroll from page to page) |
- Senior Plans - As you approach and enter retirement, you need to know about Medicare Supplements, Long Term Care, and Final Expense insurance. I will be glad to assist you in finding the information you need, and in starting the appropriate coverage.
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To view my special section for Retirees,
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To view information on Long Term Care,
- to go to the Medicare website
- to go to the Social Security website
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- Other Products - If you have questions about products that I do not offer, or that are not listed above, I can perhaps refer you to someone who can help you. Contact me, and I will try to help.
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Click this link to go to my Quick Resources section: Quick Resources There you will find common sense information that can help you with financial decisions.
* Free Buyer's Guides are available for most products above. Just click HERE to go to the website of The Life and Health Insurance Foundation for Education (LIFE). Once there, click on the topic in which you are interested, such as Life, Health, Disability, Employee Benefits, etc. You will see a drop down menu with lots of options, including a downloadable Buyers Guide for most topics. Read the information online, or print yourself a copy. LIFE is a non-profit organization whose purpose is to educate the public on insurance issues, and its website is very consumer-friendly.
Notes:
I will personally assist you in getting any information, at your request. This is not an offer to sell insurance in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction.
Wayne McCullough is currently licensed in the states of Tennessee and Arkansas.
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Licensed in TN (#318787) and AR (#11554)
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