Our dedicated service personnel enable us to provide unparalleled customer service. We provide the guidance and expertise clients seek when it comes to insurance. We specialize in Life Insurance, Term Life Insurance and Long Term Care Planning. With a decade of experience in the senior insurance market, we have gained the knowledge and skills to help guide clients through the process of selecting the best insurance coverage. With the average American living longer than before, the needs they have to anticipate in their later years also rise. Paul Arakelyan is the Founder and CEO of Legacy Partners Insurance & Financial Services Inc., one of the community's leading platforms in insurance business.<br><br>Paul's 19-year experience with . Term life insurance is generally less expensive than permanent life insurance. All Rights Reserved. Tomorrow has a way of coming way too fast. The tax information contained herein is general in nature, and it is provided for informational purposes only, and should not be construed as legal or tax advice. ", "I really appreciate all the hard work Legacy Partners provides. Current and former employees report that Legacy Partners provides the following benefits. Videos. Life insurance is a financial product that helps ensure your family is taken care of after you die. When my rates went up years later, their amazing service team remarketed my insurance and found me savings again!, When I needed to make a change to my policy, I simply called Legacy's service center and the change was made in minutes. We are here to create relationships with our clients to last generations. If you don't have it, you could face criminal penalties, and you could be personally liable for damages and personally responsible for your own medical bills in the event of an accident. As Legacy Partners continues to evolve, Joes strategic focus is on relationship management & organic growth opportunities. Indexed / Guaranteed Universal Life Insurance. About. Life Insurance. Term life insurance is designed to provide financial protection for a specific period of time, such as 5, 10, 15, 20, 25 or 30 years. Impakt Digital, Life Insurance, Annuities & Long Term Care. Find info on Other Specialty Trade Contractors companies in Hoffen, including financial statements, sales and marketing contacts, top competitors, and firmographic insights. He is a financial advisor, seminar presenter, published author and artist. We have partnered with industry leading carriers to bring our agents a portfolio of products that they can be proud to offer their clients. Not only do I feel more at ease about retirement, but the consultative approach Phil used was educational, easy to understand and put a smile on my face. Unlike captive firms that represent only one insurance carrier, Legacy Partners has developed a network of the nations highest rated carriers. They say insurance exists for a rainy day. I call it Loving Tender Care planning. Personal insurance with a personalized touch. Since 1973, Michigan law has required every vehicle owner to obtain no-fault automobile insurance. Legacy Partners Insurance and Financial Services is a highly rated agency that provides indexed universal life insurance in Pasadena, Sherman Oaks, North Hollywood, and Van Nuys, California. We believe this is the foundation of integrity. Everyone knows life insurance is an essential way to make sure your loved ones will have the financial support they need if the unexpected happens. Protect what you have through our Annuities and Indexed Universal Life plans. This is known as a death benefit which is paid out to beneficiaries upon the insureds death. Let us be your advocate. I called Legacy Partners to compare quotes for my business. With life insurance representatives serving the communities of Asheville, Davidson, Greensboro, Hickory, North Wilkesboro, Albemarle, and Raleigh, North Carolina, our team at Legacy Insurance Partners is available to partner as your trusted personal insurance advisor utilizing a consultative approach. We conduct operations from our administrative corporate offices located in Binghamton, New York. Established in 1919. Insurance is essential to protecting you and your family from financial disaster. We will review the details of your home with at least seven insurance companies to see who can offer you the coverages you actually need at the best overall price. Life Insurance can be set up as a term or permanent policy. Ask one of our agents today to explain how an umbrella policy can help you. When you need changes to your policies, if you need help filing a claim, or if you just have questions about your . You just want to be covered correctly and you don't want to pay too much. Some universal life insurance products are designed to focus on providing both death benefit coverage and building cash value while others focus on providing guaranteed death benefit coverage. Goal: Provide ongoing care for a loved one If you're the primary caregiver for someone with special needs, life insurance can help ensure your loved one continues to be well-cared for after you pass on. Disability Insurance What happens if you can't work? What happens if we become ill, disabled, or if we lose our life? Proudly Serving: Hickory, Wilkesboro, Newton, Lenoir, Conover, Morganton, Taylorsville, Boone, Statesville, Lincolnton, Mooresville, Gastonia, Charlotte, Blowing Rock, Winston Salem, Maiden, Huntersville, Asheville, Raleigh, Greensboro, Davidson. Policies vary, but typically include the following: Legacy is an independent insurance and financial services firm. After all, our insurance agency was founded by hardworking insurance agents to attract the best agents across America to serve as many clients as possible. However, there are so many more features and benefits that you cant imagine unless you delve into this incredible program and the insurance policies. A life insurance policy is a contract with an insurance company. We want to know first and foremost what you need. Service Center. Get the latest business insights from Dun & Bradstreet. A car here, a house there, a motorcycle on one side, and life insurance on another. "My family and I are very happy with Legacy Partners-Paul Arakelyan. We provide the guidance and expertise clients seek when it comes to insurance. When you buy insurance, you need an advocate on your side to assess the risks you face, give you an objective analysis of the marketplace, and present the best insurance program for your needs. When they reviewed my coverages, they realized I wasn't insured properly. An annuity can be used to save for retirement, preserve funds already saved for retirement and to provide a steady stream of income during retirement. Click Here to learn more about Paul and Legacy Partners Insurance & Financial Services. Legacy Partners Insurance & Financial Services Inc. is a full service financial planning firm, that provides insurance and financial protection for individuals, families, businesses, business . Phil helped to secure my retirement income from risk and help to guarantee me an income for life when I retire. Our access to such a large group of carriers also means we can place many risks that other agents simply cannot. Its expensive to die. Call us today! Insurance company provides a lump-sum payment in exchange for premium payments. Even if you are married and your spouse is bringing in an income, having both people covered still protects the other during that difficult time. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo consectetur adipiscing elit. Our planning is to help you with your 'cash flow' when you decide to retire or rewire. Health care costs for convalescent and assisted living can potentially be financially devastating to an individual and the family. Regardless of what your situation is, our main focus at Legacy Partners Insurance is making sure your family is properly covered in all circumstances of life. One of the most popular (and applicable) quotes concerning investing and financial planning: Failing to plan is a plan to fail. Joe Graham is the CEO & Founder of Legacy Partners. Find an agent today to start building your strategy for your financial future. If your house is destroyed, you don't want insurance to only cover half the cost of rebuilding. We use a step by step process to lead you through the maze of retirement planning. How this can help the Beneficiaries: Universal life insurance is mostly used as part of a flexible estate planning strategy to help preserve wealth to be transferred to beneficiaries. . Excellent customer service! In addition to indexed universal life insurance, we can connect our clients with guaranteed universal life insurance coverage. Learn strategies so you are no longer living paycheck to paycheck. Nobody wants their family to suffer when they are gone. He successfully started and sold a prior insurance agency to a private equity group. You should consult with an attorney or tax professional regarding your specific legal or tax situation. The fact that we put the needs of our insurance agents first means that we are able to deliver the highest quality of service. When you think of life insurance and annuities, you should think of Legacy Partners! Ut enim ad minim veniam, quis nostrud. LTC (Long Term Care) planning is extremely valuable to your long term financial goals and objectives. Contact. All Rights Reserved. We are on your agenda, not ours. We spend time and money protecting our homes, our automobiles, our businesses and even our incomes. For God hath not given us the spirit of fear; but of power, and of love, and of good sound judgement. Read Bio. About Legacy Insurance Partners Relationships remain at the core of our operation. The Columbian Financial Group of companies includes our parent company, Columbian Mutual Life Insurance Company, along with Columbian Life Insurance Company, Columbian Financial Services Corporation, New Vision Service Corporation of New York and other affiliated companies within our corporate family. Our licensed professionals are ready to assist you with all your insurance needs. If you are renting an apartment or you own a condo, you likely do not need to insure the building itself (the building owner usually takes care of that). Thanks. Taking care of your financial needs may not be at the top of your mind. For spouses that do not work, a stay-at-home parent, for example, the passing of that individual, can also create financial hardships regarding childcare and handling domestic responsibilities. While many of the risks we face are similar, not all are commonly shared. For over 135 years, Columbian Mutual has been providing value through quality, affordable life insurance protection: Foresters Financial is an international financial services provider with a unique history that began in 1874 when we set out to provide access to life insurance for average working families. More than 140 years later, we provide investment, life insurance, retirement and savings solutions that help families achieve their long-term financial goals. This is known as a death benefit which is paid out to beneficiaries upon the insured's death. There are risks associated with failing to adequately prepare for the future. Contact Us Ut enim ad minim veniam, quis nostrud ullamco laboris. Impakt Digital, Life Insurance, Annuities & Long Term Care. Thank you for all you did for me and my family. These policies are relatively inexpensive and offer a big benefit -- some policies even cover additional living expenses if your apartment or unit is damaged and requires significant repair. Find company research, competitor information, contact details & financial data for SARL LANG PASCAL TP of HOFFEN, GRAND EST. Whole Life Insurance is a permanent life insurance which provides lifetime coverage. With extremely low cost for the added coverage, It's the cheapest way to protect your savings if you are found liable for damages. HomeAutoUmbrellaLifeOther, How'd You Hear About Us? In 2020, Michigan passed no-fault insurance reform which made a number of changes to automobile insurance in the state. We have the solutions to protect your loved ones today! We help with Medicare plans, such as Medicare Advantage and Supplements, as well as plans for prescriptions and hospital copay protection. Mr. Graham started Legacy Partners Insurance Services with the goal of making it the premiere agency in southeast Michigan. ", "Hi there. Our agents follow-up with families that have requested assistance and work with them to create a solution that best fits their needs and budget. Legacy Partners Insurance. Legacy is an independent insurance and financial services firm. Michigan Independent Insurance Agency - Legacy Partners Insurance The right insurance coverage at the right price. Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. document.write(new Date().getFullYear()); Like everything else in life, when it comes to homeowners' insurance, you get what you pay for. It may not be complete. We understand that part of building a Legacy is having the right team. Let us be your advocate. We work with small business owners. Protecting your retirement savings is crucial to your retirement plans. Even if you already have life insurance, if you haven't checked pricing in a few years, rates have gone down substantially. learn more Long Term Insurance A life insurance policy is purchased on one another with a benefit equal to the value of a business share. When water backed up in my basement, my $25,000 claim was fully covered. Legacy Partners Financial Network believes in cultivating a community of the best life insurance agents who can serve as many families as possible. If something were to happen to you, would your loved ones be protected? Also, due to its lifetime coverage, universal life typically has higher premium payments than term. Legacy Partners tailors our programs specifically for each client, ensuring we address individual concerns. Get the latest business insights from Dun & Bradstreet. top of page +1 (210) 347-8402. Home. We can even help you cover snowmobiles, ATVs and other off road vehicles. It indicates how you want your property, belongings, cash, and financial assets distributed. Some term life policies can be converted to permanent life policies at a future date, ask your agent about it. When you think of life insurance and annuities, you should think of Legacy Partners! Im convinced that Americans may get the three Rs in school, but often miss an education on finances and estate planning strategies. Its important to note that, although term life can be used to replace lost potential income, life insurance benefits are paid at one time in a lump sum, not in regular payments like paychecks. Paul has become synonymous with insurance and financial products throughout California. Laboratory and diagnostic services are available, and we provide physical, occupational, and speech therapy. If you dont, youre not alone. This insurance policy will pay out to your children, spouse, partner . We are affiliated with numerous insurance companies -- from local Michigan carriers, to national carriers, to worldwide market places abroad. Insurance Company size 11-50 employees Headquarters Livonia, MI Type Partnership Founded 1919 Specialties Insurance, Personal Insurance, Commercial Insurance, Life Insurance, Auto. Insuring against some risks can leave you vulnerable if you ignore others . Especially with the recent PIP reform changes meaning more underinsured drivers on the road, we recommend almost all of our customers purchase an umbrella policy to provide additional limits of liability coverage. We believe that every investment and product you choose should be suitable and applicable to your needs and desires. Give us a call today at 734.422.7850 or 586.209.4106 and experience the difference Legacy Partners . One of the biggest concerns related to new generations of people is the rapidly rising cost of a college education. ALP (American Legacy Partners) wants to provide you with financial education. 2023 Legacy Insurance Partners Our experienced insurance agents at Legacy Insurance Partners understand that everyones situation is different and that your needs for life insurance will differ as well. Glendale, CA 91202. Because of the lifetime coverage, it usually has higher premium payments than term life. Suite #303 Protecting families to new heights.Now hiring agents nationwide. Will this benefit our client? This is the question that guides and directs everything we do at Legacy Partners. Investing and planning for tomorrow is crucial to make sure you have income for both sunshiny days as well as rainy days. This is what my team can help you prepare for through our financial programs. T. 586.484.2202. Development Legacy Manages Legacy Partners provides management services for our own portfolio, as well as others. We have access to the top life insurance and annuity markets with extremely competitive rates and coverages. Decision #3: Which payment plan is right for you? Not only is it important to shop your life insurance policy at certain times (some examples include getting married, graduating college, having a child, or moving states) but it is also important to have an agent who will review your policy and make sure it is the right fit for you based on your life circumstances. Whether youre interested in universal and term coverage (or are not sure which of these plans is best for you), one of our personal insurance specialists can discuss your particular needs and provide expert recommendations. Copyright 2022. We will. Tobacco use, for example, would increase risk and cause your premium payment to be higher than that of someone who doesnt use any tobacco. Legacy Partners Insurance does not provide legal or tax advice. Insurance, Health & Wellness Financial & Retirement Family & Parenting Vacation & Time Off Perks & Discounts Professional Support Insurance, Health & Wellness Health Insurance 3.0 3 Ratings With an independent insurance agent like Legacy Partners, you have choices. Copyright 2023, Legacy Partners Insurance & Financial Services, All Rights Reserved. For more information on your IRS Tax Resolution Team click here. We can review and help you with coverage for all your personal insurance needs, and we will do it all with the same amazing customer service we have offered to our customers for over 100 years now! Get the latest business insights from Dun & Bradstreet. We can call and meet with him at any time when we have questions. Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do eiusmod tempor incidi. We might be able to get you the same coverage for less money! Whether you are planning just for you or your family, we have a variety of financial solutions to help you meet whatever your goals in life. Insurance We're a premium life and health insurance provider. Our practice is to help you understand the options that are most suitable for you to reach your objectives and priorities. Universal life insurance is a type of permanent life insurance designed to provide lifetime coverage; however, these types of policies are flexible and may allow you to raise or lower your premium payment and/or coverage amounts throughout your lifetime. Foresters Financial is an international financial services provider with a unique history that began in 1874 when we set out to provide access to life insurance for average working families. I "You guys are great and very knowledgeable. If you get into a car accident, do you have the resources available to replace your car or pay out of pocket for medical coverage? Joe Graham is the CEO & Founder of Legacy Partners. Copyright Some of the more common types are discussed below. Copyright 2023, Legacy Partners Insurance & Financial Services, All Rights Reserved. Obviously, people are living longer. When you choose Legacy Partners Insurance Services, you are getting a team of dedicated agents that will work with you to make sure you are properly covered in all facets of your insurance needs. Give us a call to get started today. How this can help the Beneficiaries: Whole life can be used as an estate planning tool to help preserve the wealth you plan to transfer to your beneficiaries. Our agents at Legacy Partners can assist you in determining how much coverage you need, and which policy is best suited to your needs and lifestyle. Legacy Partners understands the importance of discovering your unique story, auditing your current financial situation to establish a plan designed with your financial security in mind. Trusted. He oversees the firms acquisition initiatives, and is constantly on the lookout for additional talent to join the agency. Give us a call today at 734.422.7850 or 586.209.4106 and experience the difference Legacy Partners can make for you. In our business practices and real life you can see firsthand what ALP is all about. We have offices in Hickory, North Wilkesboro, and Davidson, North Carolina, and one of our life insurance specialists will be happy to explain all options available to you. Let our licensed insurance specialists pair you with some of the best insurance products on the market today! After spending several years working on the insurance carrier side of the equation, Mr. Graham went into private practice, focusing on Property & Casualty as well as Employee Benefits. Insurers use rate classes or risk-related categories to determine premium payments; these categories dont, however, affect the length or amount of coverage. Legacy Partners made protecting my family important and made the process very easy. Our purpose is to educate you so that your financial plan becomes your plan, not ours. 2. Legacy Partners Insurance. These changes give you more choices, but the wrong choice could lead to financial ruin for you or your loved ones. Lorem ipsum dolor sit amet, consectetur adipiscing elit. Legacy Partners is a full service financial planning firm. But it can be hard to choose the right policy that fits your needs specifically. With the average American living longer than ever, planning for retirement is more about what you have in place. Lorem ipsum dolor sit amet, consectetur adipisicing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. There are so many features and factors that are associated with life insurance. It may sound terribly simple, but one of the fundamental reasons for our success is our willingness to establish a relationship with each client by listening. We have a large team of dedicated service personnel with over 100+ years of combined experience servicing customers like you. An estate plan gives you a say in how your assets are given to the people or organizations you care about. Better Together Website By American Creative. Insurance. ", "I would not trust my after life with no one else..", "Knowledgeable specialists, great customer service. Blog. I recommend them to all my friends and family. Since the goal of insurance is making sure you are financially taken care of if something goes wrong, someone really needs to look out for the complete picture. We pride ourselves on researching and reviewing policy options for the best fit for you. More about us What We Offer Insurance company provides a lump-sum payment in exchange for premium payments. With well over 100 years of combined experience, these carriers have the financial stability, professional experience and commitment to excellence that aligns with Legacy Partners mission to learn about each clients present financial situation; help them establish realistic objectives and design a solid program focused on achieving their goals. Impakt Digital, Life Insurance, Annuities & Long Term Care. My experience was excellent with knowledgeable and helpful staff. Find out why so many people trust us to make sure they are insured correctly. We know cost of insurance is always a large factor in insurance buying decisions. Each family is different, and as your family grows and changes, so should your life insurance policy. ", "I am glad to have collaborated with you. Instead, you need a special form of insurance that covers your personal property and offers you protection from liability in your apartment or unit. Behind the wheel, working for someone else or running your own company, there are inherent risks that every individual faces. Death benefits from all types of life insurance are generally income tax-free.1 Life insurance provides financial protection for your beneficiaries when you die. At ALP Ronnie Johnson brings together a team of experienced professionals to help you with your estate and financial plans. When the time comes, you want your family to have peace of mind. Life Legacy Partners help people across the country find the life insurance and retirement solutions they need to protect their families and their futures. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Independent. It arranges your affairs and leaves a written record of your wishes. Personal umbrellas are insurance's way of offering you extra protection to keep you financially dry in a bad storm. The partners agree on the value of each share in the business. Not only will you benefit from their commitment to find the best coverage for the least costs, but you have access to the major insurance carriers. Life insurance can be the foundation of your financial strategy and can help you leave a lasting legacy. Rate class is determined by a number of factors including overall health, family medical history, your lifestyle. With life insurance representatives serving the communities of Asheville, Davidson, Greensboro, Hickory, North Wilkesboro, Albemarle, and Raleigh, North Carolina, our team at Legacy Insurance Partners is available to partner as your trusted personal insurance advisor utilizing a consultative approach. Life Legacy Partners | [email protected]. Since 1919, we've been that advocate for our customers. Life Insurance, Annuities & Long Term Care. We have access to the top life insurance and annuity markets with extremely competitive rates and coverages. Since our inception, we have been driven by integrity, dedication, and a passion for perfection while returning exceptional results. National Life Group takes pride in working with agents who not only service their clients but who also actively give back to their community. Term life insurance gives you a good start to get a protection your family needs. I highly recommend Legacy Partners for any business owner., My agent took the time to educate me about the coverages I was missing with my old policy. We get referrals from other agents all the time with business they simply cannot write because they don't have the carrier relationships and marketplace access that we've worked so hard to cultivate to help us serve you. For over two decades, Paul has built a reputation for helping thousands of individuals by delivering smart insurance solutions and financial products with professionalism, honesty and integrity.
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