Orechkin Insurance Agency L.L.C - Choosing an appropriate insurance product, annuity or investment vehicle is a very important decision. One that can often be complicated. Perhaps you just need some direction. O.I.A. represents over 30 different insurance carriers and has been in business since 1979. With this array of company diversification, O.I.A. has the competing edge to fit the needs and benefits of our clients with products such as life insurance, health insurance, disability, annuities and long term care.
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Mark S. Orechkin, CLU, RHU, is the founder of Orechkin Insurance Agency (O.I.A.), specializing in Individual and Group Insurance. O.I.A. represents over 30 different insurance carriers and has been in business since 1979. He is the recipient of many awards, from the Million Dollar Round Table to the National Association of Life Underwriters and The National Association of Health Underwriters.
Life insurance may be one of the most important purchases you'll ever make. In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your children's education, protect your spouse's retirement plans, and much more.
If you're considering securing you and your family's financial future, we would be happy to review your current situation and offer a few ideas on how you can protect it!Term Insurance, the most affordable type of insurance when initially purchased, is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term.
If you're considering securing you and your family's financial future, we would be happy to review your current situation and offer a few ideas on how you can protect it!Term Insurance, the most affordable type of insurance when initially purchased, is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term.
Disability Income Insurance is a form of insurance that insures the beneficiary's earned income against the risk that a disability will make working, and therefore earning money, impossible. It includes paid sick leave, short-term disability benefits, and long-term disability benefits. More than a quarter of today's 20 year olds will become disabled, according to the Social Security Administration (SSA).
In its most general sense, an annuity is an agreement for one person or organization to pay another a stream or series of payments. Usually the term "annuity" relates to a contract between you and a life insurance company, but a charity or a trust can take the place of the insurance company.
Many investments are taxed year by year, but the investment earnings-capital gains and investment income-in annuities aren't taxable until you withdraw money.This tax deferral is also true of 401(k)s and IRAs; however, unlike these products, there are no limits on the amount you can put into an annuity.
Many investments are taxed year by year, but the investment earnings-capital gains and investment income-in annuities aren't taxable until you withdraw money.This tax deferral is also true of 401(k)s and IRAs; however, unlike these products, there are no limits on the amount you can put into an annuity.
We're finding some people prefer some of the advantages of going the "hybrid" route for their long-term care coverage. I work with highly experienced professionals who understand the "Hybrid" market inside and out. Are very comfortable financially and are tempted to even just self-insure the risk, but realize having insurance in place may be prudent.
