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Services Provided

Here at You Matter Insurance & Financial Group, we are passionate about helping you protect what matters most. To achieve this, we offer the following services for those looking to make a responsible investment decision:

Mortgage Protection

Protect Your Home & Family In The Event Of An Unexpected Tragedy Or Health Crises & Help Pay Off Your Home Early If Coverage Isn’t Used. Mortgage Protection insurance is a term insurance policy that is designed to specifically provide coverage to pay off an individuals or family’s mortgage. If the insured dies, becomes disabled, or suffers a Critical, Chronic or Terminal Illness such as a heart attack, stroke, cancer, etc. the policy will pay off the entire or a portion of the mortgage balance to protect equity, ownership, and possession of the home for remaining loved ones and or family.
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Term Life Insurance

Term life insurance, provides guaranteed death benefits for a set period of time, usually 10, 20, or 30 years. Once the term runs out, you can choose to renew the policy, convert it to a permanent insurance policy, or terminate it. It’s typically the most affordable type of insurance depending on a person’s age, being cheaper the younger a person is, becoming more expensive as a person ages, but it also means that beneficiaries only get the cash benefit if the insured person dies or suffers a health crisis within the specified term.
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Whole Life Insurance

Whole life insurance is a type of life insurance that covers you for the rest of your life, given that you pay your premiums. Unlike term life insurance, whole life policies include a savings component and the premiums are fixed and or locked in for life. It’s one of the most attractive benefits of this type of life insurance with a percentage of your premiums going to build the cash value of the policy, which is tax-deferred and able to earn interest. After meeting a minimum cash value requirement, you can withdraw or borrow the cash value to help meet bigger financial needs, like hospital bills, home fixes, emergencies, etc.
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Universal Life Insurance

Universal life insurance is a hybrid of term and whole life. It will provide a death benefit for as long as the policy is in force just like a whole life policy, and does not terminate in time intervals like a term policy. However, the premiums on Universal Life are not guaranteed. This can mean that as you age, your premiums may increase. For those who start a policy at a younger age, or who over fund a policy, will build cash value that typically can grow faster than a traditional whole life policy.
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Fixed & Indexed Annuities

Annuities are quickly becoming a staple in the retirement planning field and for good reason. An annuity is simply a contract between you and an insurance company that will pay you a fixed amount of money monthly and or annually for the rest of your life. You can think of them as personal pensions. Here at You Matter Insurance & Financial Group, we work specifically with Fixed Indexed Annuities. We chose this type of annuity because of the stability of the product. Unlike other investments, a Fixed Indexed Annuity has a fixed portion that is not tied to the market conditions. This means that when the stock market goes down, your annuity value does not go down with it. However, if the market goes up, there is a portion that will increase with the markets as well.
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Medicare

Medicare is healthcare for those who are 65 and older. Although, some may qualify for Medicare before 65 years of age. Medicare is an important piece of retirement and we will help you choose what secondary Medicare plan is best for your situation. There are a variety of different secondary plans to Medicare, the most common are Medicare Supplements or Medigap and Medicare Advantage plans. You Matter is licensed in all areas of Medicare plans.
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