Finest Financial Group
1-877-FINEST3
159 Route 304
Nanuet, NY 10954
Cancer Insurance
FFG is please to have teamed up with leading wellness
companies to offer our clients a wide range of additional coverage from cancer
policies to personal accident policies.
Call today for a free quote or for more information.
Term Life
We have access to over 200 insurance companies offering more
than 1,000 different products.
Finest Financial Group has teamed up with Crump, a leading
life insurance brokerage firm. In a matter of minutes, we compare the prices,
features, and financial strength of hundreds of life insurance products from
over 200 of the nation’s top insurance companies. Our clients typically save
up to 70% on their life insurance.
Many life insurance services simply "quote" the
lowest rate available in the marketplace without regard to important factors,
such as a health and lifestyle profile. Consumers apply for the cheapest rates
and find out later they do not qualify for the rate "quoted." Often
consumers settle and pay much more than they should.
At Finest Financial Group, licensed and experienced customer
service representatives handle incoming application requests. We are
knowledgeable professionals who are able to determine the rates and policies for
which you are likely to qualify. Finding you the lowest price is easy. Finding
you the best value requires the few additional minutes Finest Financial Group is
willing to take.
Can I get insurance cheaper somewhere else? No. A life
insurance policy with all the same features will be the same price no matter
where you purchase it. Life insurance companies, not agents, set the pricing of
the plans. Our agents know what questions to ask to ensure you get the best
possible policy you qualify for. Some other (ahemm) agencies simply fill out a
form and send it in. Who cares how much you pay? You do and we do.
If you find a plan with a different price than one you’ve
been quoted, you may be looking at a different risk class. Ask yourself the
following questions: Did Joe Cain help you determine your risk class? Was
information gathered on your family history, health, height, weight,
medications, tobacco use, hazardous activities, and driving records? We don't do
that bait and switch stuff. Hey, we're cops too. We don't want any more bs and
we figure you don't either.
We will tell you the truth and get you the best possible
policy you qualify for.
Rates for smokers are higher than for non-smokers. However,
there are a few companies that treat tobacco users more favorably. (For example,
one company qualifies cigar, pipes and chew as non-smoking.) Finest Financial
Group knows which companies offer low rates for tobacco users. Applying with one
of these companies can save you as much as 50% on your premiums!
How much insurance do I need? That is a personal decision
that we can help you make based on your personal financial situation. Most of
our clients are interested in protecting their pensions without taking a
ridiculously expensive option. Call us and we will help you figure it out.
You do not pay for this service. The insurance companies pay
us. We are happy to go the extra step and take the extra time until you are
completely comfortable and fully understand what you are buying and why.
We only use top rated insurance companies. Insurance company
rating organizations assign letter grades (from A++ to F) to all insurance
companies. The letter grades represent the company’s financial strength,
integrity, performance and claim-paying ability. Finest Financial Group only
represents companies with a rating of A or higher by A.M. Best, the most
recognized insurance company rating organization.
We are not captive agents. We will shop for you.
There is no better price anywhere. No, not even on the
internet.
We can offer the same low prices as any online insurer except
we also provide personalized service.
Why? We like cops. We are (were) cops too!
Call Joe Cain at
877-FINEST3
Some additional thoughts...
When the divorce decree calls for you
to buy life insurance, think of it as protection and not simply an expense.
Consider a Return of Premium term
insurance policy.
This is NOT whole life. This is term
insurance. 20 years, 30 years, something in between?
It does cost more than straight up
term insurance BUT...at the end of the term (20 or 30 years) you get every
penny back!
We find many people are interested in
this idea for college expenses too!
OK, Bottom line. If you are still
reading this, you are pretty serious about getting insurance to cover your
loved ones (or in the case of divorce, hated ones)
Most (somewhere above 98%) of term
policies expire. The good news, it was inexpensive and you are still alive.
The bad news, it ends.
Return of premium term addresses
these issues. Live and get every nickel back, Die and your beneficiaries get
the insurance money.
This is not you, this is for illustration purposes only and
just one of many companies and scenarios...
ING TermSmart★NY 20 or ING TermSmart 20 – $680
(annual premium)
ING ROP Term NY 20 or ING ROP Term 20 – $2,250 (annual premium)
Annual Premium Difference – $1,570
You pay $31,400 more than traditional term life over the 20-year span of the
policy
You receive $45,000 back (returned premium) after 20 years
You would need to earn a 5% pre-tax return* on the annual premium difference
invested each year for 20 years to equal the $45,000 returned premium amount
We will explain the whole thing to you.
We know if we do the right thing, you might tell
somebody. If we do the wrong thing, you will tell everybody.
We stand by our reputation and welcome you to ask around.
(This does not take into account the time value of money
cost associated with receiving an amount at maturity of an ROP term policy
that is equal to the amount of premiums contributed)
Rates as of 01/30/2008
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