For the individual and family, Life Insurance can provide additional income to supplement Social Security and investment revenue so that a comfortable standard of living can be maintained, the mortgage and college tuition paid-off, and estate settlement costs can be covered. Additionally, permanent forms of Life Insurance build-up substantial sums on a tax-deferred basis to use as an emergency fund, to finance large purchases, and to supplement retirement income. Life Insurance creates immediate benefits for pennies on the dollar. We recently had a death claim on a man in his 40’s where we paid-out a very substantial amount of money for which only two years premium had been paid. The annual cost per $1,000: $1.32! For businesses and professional groups, Life Insurance provides immediate funding for Business Continuation, and Buy and Sell Agreements. Additionally for these and Non-Profits, it provides Key Person and Debt Retirement Funds. Whether for personal or for business and professional, JSO Financial can assess your current situation and make recommendations for your Life Insurance needs and goals, including the following types of policies: |
Comprised of a large national network of independent professional agents and brokerage firms, 3 Mark Financial has an extremely qualified national/regional staff and represents a significant number of high-rated insurance companies. For years, 3 Mark has been the long-term, primary association of JSO Financial for the placement of Life Insurance and Annuities. Recently, Jim O’Bryan, with the assistance of his 3 Mark Financial associates Ken Bowlin, CLU and David Royse, Vice President Exceptional Risks placed in a high quality company, four $1,000,000 policies and one $10,000,000 policy, two of them personal and three of them Key Man Insurance, on executives who traveled abroad extensively in high-hazard areas. This was accomplished after very carefully orchestrated underwriting, market research (shopping) and placement. In the current world situation most companies would not touch these risks. Both the insured client and agent/broker benefit from 3 Mark’s ability to supply outstanding products and companies, state-of–the-art Internet based information systems and unsurpassed underwriting expertise. |
Allianz Life Insurance Company of America
American General Life Insurance Company
Banner Life Insurance Company
Chase Life Insurance Company
Columbus Life Insurance Company
Empire General Life Insurance Company
First Colony Life Insurance Company
First Penn-Pacific Life Insurance Company
Indianapolis Life Insurance Company
ING: Reliastar and Security Life of Denver
Jefferson Pilot Financial Insurance Company
Lincoln Benefit Life Insurance Company
MetLife Insurance Company
Protective Life Insurance Company
Prudential Financial Insurance Company
Reliastar Life Insurance Company
Security Life of Denver Insurance Company
The Guardian Life Insurance Company
Transamerica Occidental Life Insurance Company
U.S. Financial Life Insurance Company
West Coast Life Insurance Company
William Penn Life Insurance Company Best’s, Fitch, Moody’s and Standard and Poor’s ratings are available. |
