Individual's financial needs are distinctly unique, so each person deserves a highly customized set of solutions to meet those needs. Basic planning and implementation of successful financial protection strategies are required throughout the lifespan, too.  AR Financial's team is here to help with personal and business finances, and specializes in the following areas of importance:

• Insurance coverage (life, health, accident, property, and casualty)
• Retirement planning
• Savings and wealth accumulation
• Annuities
• Debt removal and credit restoration
• Tax resolution
• Tax savings
• Medicare enrollment

Life Insurance

Life insurance could be the key to your family’s financial success! When life insurance comes to mind, thoughts about death and dying naturally arise. Life insurance can provide financial protection and an opportunity to leave a legacy to help loved ones live more comfortable lives. On the other hand, it can also provide living benefits and tax advantages.
Today, there are new life insurance options available to serve diverse financial needs. Tax advantages, living benefits, death benefits, and money growth potential can all be afforded through various life insurance products. For examples, long-term care, disability, retirement income, college expenses, and protection for spouses and children can all be covered with life insurance policies and added riders.

How do families benefit from life insurance?

Life insurance can be used to make sure loved ones’ expenses are covered. Expenses can get paid without worries, so families can maintain or improve their standard of living when faced with a death, income hindering emergency or high cost payment needs. Individuals and families often cover these expenses with life insurance benefits:

• College tuition and fees.
• General living costs such as food, utilities, medical expenses, and shelter.
• Money to pay for large ticket items such as weddings, a car or home.
• Protection to cover expenses during chronic, critical or terminal illness.

Know what type of life insurance is best. There are various types of life insurance, which is highly beneficial to help better meet the needs of diverse financial situations and goals. The following are among the common types of life insurance policies from which to choose:

• Term Life
• Whole Life
• Indexed Universal Life
• Universal Life
• Annuities

Retirement Planning

Retirement is an exciting phase of life, yet it can be financially challenging and downright scary without proper planning. Therefore, it’s imperative to plan for retirement, so goals and dreams won’t be interrupted by unexpected financial needs. A sound strategy will help protect savings, sustain financial independence, and allow for uninterrupted transfer of wealth to heirs.
Some benefits of planning for retirement include increased ability to afford time to:

• Be with family, children, and grandchildren.
• More travel opportunities.
• Freedom to control time and schedule.
• Enjoy life versus working to pay bills.

Annuities

The best annuities provide guaranteed lifetime income. Life insurance has been available for many years, but it was not until recently – products such as annuities have become options for retirement income. Annuities are insurance contracts that provide regular payments, either immediately or at some point in the future. The right annuities can provide guaranteed income for a lifetime. There are hundreds of annuity products from which to choose. Financial and life goals will help determine which type of annuity is best. Annuities can be used for tax-deferred savings for retirement, asset protection or income generation. To learn more about annuities, schedule an appointment with a licensed financial representative.

Debt Resolution and Credit Repair Services

Excessive debt and credit problems can be an ongoing nightmare. Make debt and tax troubles a thing of the past with debt and tax resolution programs designed to help achieve financial freedom and improve consumer credit scores. The comprehensive debt resolution and credit repair services include assistance with creating a path to savings, debt removal and credit repair, and resolving tax problems. Debt issues that are addressed include:

• Financial hardship.
• Credit card and medical bills.
• Tax liens.
• Wage garnishments.
• Filing of unpaid taxes.
• Defense for IRS audits.
• Federal and state representation for tax debt.
• Negotiation and settlement of debts.

Medicare Enrollment Services

AR Financial has a team of licensed, certified Medicare Enrollment Specialists on staff to assist with:

• Medicare enrollment
• Plan type selection
• Price comparison between carriers
• Tips for saving on premiums
• Final expense plans
• Prescription drug coverage
• Medicare supplements
• Advantage plans