Shawn P Sell
Please contact me with any questions regarding your Life & Health Coverage, Retirement Plan, or Supplemental Benefits
I know that you have many choices when it comes to selecting an agent for your insurance needs. Thanks for checking out my site. The products in this portfolio offer important coverage when you need it most. My goal is to partner with you to find recommendations that can help give you the peace of mind that comes from knowing you have protection if something happens.
There are many challenges you face in retirement, even if you have saved. While people are enjoying longer life expectancies, the chance of experiencing a long-term care condition has risen. According to Longtermcare.gov 70% of those turning 65 can expect to need some form of long-term care. Those needing long-term care may have difficulty with simple activities of daily living or may have acute conditions. The challenge with a long-term care condition is not only physical impediment, but also the impact it can have on your retirement income.
According to a recent study by Genworth, the national median for care in an assisted living facility is $4,051 per month. For care in a semi-private room it is $7,513. So as you plan for retirement and develop your financial strategies, make sure that you consider the effects of long-term care. Long-term Care Insurance can provide the help you need should you face a debilitating condition and protect your retirement assets. Contact us for policy illustrations.
Long-Term Care Partnership
Life Insurance Products with Long-Term Care Benefits
You may be interested in a newer generation of long-term care protection that blends several types of insurance coverage in a single policy. These "hybrid LTC" policies, also known as asset-based plans, combine the benefits of an annuity with the availability of long-term care benefits should you need them in the future.
Life insurance can provide financial protection in the event of the insured's premature death. Cash value life insurance has the potential to build a valuable asset to help supplement retirement income. In 2020, amidst an ongoing pandemic, legislative changes, and economic uncertainty, life insurance is more relevant than ever.
Term Insurance. Affordable life insurance protection using a streamlined underwriting process.
Indexed Universal Life. Competitive premiums with flexible no-lapse guarantees.
Whole Life. Combines death benefit protection with flexible features to help serve a wide range of qualified plan scenarios.
Dental, Vision, and Hearing coverage. Health coverage to help cover your deductible in case of Hospitalization, Critical Illness or Accident. If you need help understanding your options, enrolling, or managing your plan, we're here for you.
Check this link for Dental and Vision Plans in many States
Copy and paste this link in your browser for Dental, Vision and RX information
3. Copy and paste this link for Supplement Health Benefits such as Critical Illness, Hospital Coverage, Short Term Medical, or TeleHealth.
I’ve been trained to know the ins and outs of Medicare. And this is the important part—I work with most of the companies that have been calling and sending you mail, but I don’t work for them—I work for you. My job is simple. It’s to help you understand your options, answer your questions, and make sure you get any extra help you may be entitled to. I do this for people across the country each and every day.
1. Here is my personalized link to get you started. This is a good way to compare plans and there is no commitment. You can also shop right on the site if you wish. Click Here to Shop
2. To learn more about Medicare Supplements click this link. Medicare Supplements
Saving for Retirement
Fixed Rates as High as 5 year 3.1% and 7 year 3.2%
Advance Planning To Avoid A Retirement Income Shortfall is important. Annuities from highly rated companies that provide a guaranteed, reliable income stream you can’t outlive.
You have worked hard to accumulate wealth and take care of your family, and like many investors, you saved for retirement with tax-favored assets such as deferred annuities. In retirement you might realize that you have accumulated more than you need and do not need additional income. Instead, you would like to pass your annuities on to your heirs as a financial legacy. The problem is that while an annuity is an excellent vehicle for retirement planning, it is often a poor vehicle for wealth transfer. That's because at your death the annuity will be subject to a variety of taxes. If this sounds like you then you might benefit from a concept called annuity maximization.
An annuity maximization approach can help:
Reduce estate taxes
Reduce income taxes in respect of a descendent
Increase the amount of money left for your heirs
Lock in higher guaranteed interest rates
As we’ve weathered the ongoing COVID-19 pandemic, markets have become incredibly volatile. For many retirees and pre-retirees, this is recalling the hits of the 2008 financial crisis. If you are concerned about the safety and longevity of your exposed retirement assets, now is the time to do something. We are here to help. Contact us now to learn if an alternative financial tool is right for you.
Personal Coverage - Homeowners, Auto, RV, Jewelry, Pet and more
This is a great resource for personal products to help round out your insurance needs. Here you will find extensive product offerings include coverage for homeowners, auto, earthquake, flood, comprehensive personal liability, umbrella, in-home business, motor home, and watercraft.
Business Succession Planning
Contact me to get competitive quotes on your business insurance. Executive Benefits and Succession Planning. Ask yourself "Do I have a plan for my business when I retire?" I can help with General Liability, Business Property, Worker Compensation and Employee Benefit Policies. Available in Oregon, California, Washington, Texas, and Florida.
1. This is my commercial quote application. Here you can get quotes for Liability, Workers Compensation, Commercial Auto, Special Events and more. Quotes For Your Business