.jpg)
No Insurance pitch. Just unbiased advice
Our integrated team has over 75 years of experience, delivering customized self-secured protection plans for Individuals, Families, and Businesses to mitigate taxes and properly cover their greatest assets. Providing financial solutions that address long-term care, risk management, secured exit strategies, and wealth accumulation for a guaranteed supplemental income you can depend on to cover you for every step in life.
Protecting What You Value Most
Tax-advantage solutions to protect your Home, Family, and Business
I'm an Individual or Family
.png)
No Insurance pitch. Just unbiased advice
Our integrated team has over 75 years of experience, delivering customized self-secured protection plans for Individuals, Families, and Businesses to mitigate taxes and properly cover their greatest assets. Providing financial solutions that address long-term care, risk management, secured exit strategies, and wealth accumulation for a guaranteed supplemental income you can depend on to cover you for every step in life.
We Have The Right Insurance For You
Personal Life Insurance
Having Personal Life Insurance is a essential tool to have in your financial plan. It's a way to protect yourself and your family monetarily if anything were to happen to you. Speak with our insurance agents to assist you in finding the best Personal Insurance plan for you!
Business Life Insurance
Consider ensuring the legacy and foundation of your business with Business Life Insurance. Speak with one of our agents to discuss your available options and benefits for you and your employees today
.jpg)
When was the last time someone asked you what you want out of life? Speak with an agent to discuss planning for the retirement life you deserve, and discover your available options today
Annuities & Retirement Planning
Living Benefits, We've Got You Covered
Don't be left uncovered. Life can tend to throw some real curveballs that leave us in unpredidictable circumstances emotionally, physically, and unfortnately financially. At ALVA Financial Group we are here to help relieve the financial stress that often leaves us in scrambles in major life events.
What Are Living Benefits?
Living benefits works as a rider that is an add-on or an amendment to an insurance policy. These riders provide benefits that act as a way to access some of your death benefit while you are still alive, and in most cases can be added to your preferred policy at no additional cost to you. This addition can be attached to both personal and business insurance.
Qualifications & Accessibility....
There are three main triggers that typically meet the qualifications to access your Living Benefits from your policy. The three main major life events that trigger your ability to make a claim are: Chronic Illness, Critical Illness, Terminal Illness.
Your Living Benefits can be used to cover medical and facility bills, though there are no regulations on what or where the money pulled from your policy goes to. Depending on the insurance company, there might be other qualifying factors. These factors being a person's age, gender, and possibly location.
Still, our team typically matches qualified people to the policies that would benefit the best. More often than not, that means matching them with policies that have this add-on built-in already.
To be clear, a death benefit is a payout your beneficiary would receive after your passing. Any funds you pull while you're still alive (using the Living Benefits rider) will take away from the funds that your beneficiary would receive.
Living Benefits, We've Got You Covered
Don't be left uncovered. Life can tend to throw some real curveballs that leave us in unpredidictable circumstances emotionally, physically, and unfortnately financially. At ALVA Financial Group we are here to help relieve the financial stress that often leaves us in scrambles in major life events.
Living benefits works as a rider that is an add-on or an amendment to an insurance policy. These riders provide benefits that act as a way to access some of your death benefit while you are still alive, and in most cases can be added to your preferred policy at no additional cost to you. This addition can be attached to both personal and business insurance.
The most important aspect of Living Benefits as an attached rider to your insurance policy is that it is not death insurance. The point of Living Benefits is to be able to access and pull money while you are still alive. You should still take note that Living Benefits don't work in the same ways that other types of insurance do. To be clear, a death benefit is a payout your beneficiary would receive after your passing. Any funds you pull while you're still alive (using the Living Benefits rider) will take away from the funds that your beneficiary would receive.
What Are Living Benefits?
Qualifications & Accessibility
There are three main triggers that typically meet the qualifications to access your Living Benefits from your policy. The three main major life events that trigger your ability to make a claim are:
Chronic Illness
Critical Illness
Terminal Illness
Your Living Benefits can be used to cover medical and facility bills, though there are no regulations on what or where the money pulled from your policy. Depending on the insurance company, there might be other qualifying factors. These factors being a person's age, gender, and possibly location.
Still, our team typically matches qualified people to the policies that would benefit the best. More often than not, that means matching them with policies that have this add-on built-in already.
ALVA Financial Group, here to secure your finances for generations to come. Speak with an agent today
Living Benefits, We've Got You Covered
Don't be left uncovered. Life can tend to throw some real curveballs that leave us in unpredidictable circumstances emotionally, physically, and unfortnately financially. At ALVA Financial Group we are here to help relieve the financial stress that often leaves us in scrambles in major life events.
Living benefits works as a rider that is an add-on or an amendment to an insurance policy. These riders provide benefits that act as a way to access some of your death benefit while you are still alive, and in most cases can be added to your preferred policy at no additional cost to you. This addition can be attached to both personal and business insurance.
The most important aspect of Living Benefits as an attached rider to your insurance policy is that it is not death insurance. The point of Living Benefits is to be able to access and pull money while you are still alive. You should still take note that Living Benefits don't work in the same ways that other types of insurance do. To be clear, a death benefit is a payout your beneficiary would receive after your passing. Any funds you pull while you're still alive (using the Living Benefits rider) will take away from the funds that your beneficiary would receive.
What Are Living Benefits?
Qualifications & Accessibility
There are three main triggers that typically meet the qualifications to access your Living Benefits from your policy. The three main major life events that trigger your ability to make a claim are:
Chronic Illness
Critical Illness
Terminal Illness
Your Living Benefits can be used to cover medical and facility bills, though there are no regulations on what or where the money pulled from your policy. Depending on the insurance company, there might be other qualifying factors. These factors being a person's age, gender, and possibly location.
Still, our team typcally matches qualified people to the policies that would benefit the best. More often than not, that means matching them with policies that have this add-on built-in already.