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PANTHER FINANCIAL SERVICES

INSURANCE

Life insurance gives you the peace of mind of knowing that you can continue to provide for those who depend on you.

WHAT KIND OF INSURANCE DO YOU NEED?

(select one of the links below)

PANTHER FINANCIAL CAN HELP

We can provide personalized advice and objective guidance to help you assess your needs, as well as identify products from Industry-Leading Carriers to help you protect them.

LIFE INSURANCE

Term Life Insurance

The most basic type of life insurance, and typically the least expensive is Term Life Insurance, which is an attractive option for many young couples and individuals. Term Life covers you for a specific period of time (such as 15, 20 or 30 years) and pays a death benefit only if you die during the term. 

Universal Life Insurance

Flexible and more long-term than term insurance, Universal Life lets you pay premiums at any time, in virtually any amount, subject to certain minimums and maximums. You can also pay premiums in advance and even skip payments in certain circumstances. Over time, you can increase or reduce the death benefit as your needs change.

Whole Life Insurance

Designed to cover you through your entire lifetime, Whole Life builds cash value on a tax-deferred basis. The cash value can be accessed by the policy owner for emergencies, extra income, or college expenses, with any amount withdrawn and not repaid deducted from the policy's death benefit.

ROP Life Insurance

“Return of Premium” Term Life Insurance costs more than a traditional Term Life policy, but offers you the ability to get your premiums paid back to you if you outlive your policy’s term.

HEALTH INSURANCE

You’re probably already covered with health insurance, either from your employer or on your own. But did you know you have additional health coverage options that can improve or enhance your coverage?

Panther Financial Services can help. We can provide personalized advice and guidance to help you assess your health insurance needs, as well as identify products from Industry-Leading Carriers to help you protect them.

What is Major Medical?

Many people think that their health insurance will cover any necessary surgery or procedure, no matter how large. However, your health insurance may not go as far as you think. Adding an extra layer of protection, Major Medical insurance is designed to cover accidents, unexpected health concerns and long hospital stays.

 

MEDICARE

MEDICARE PLANNING

Let’s take the guesswork out of Medicare. Explore the issues. Get the facts. 10,000 baby boomers age into Medicare every day. If you’re one of them, or if you just want to take a fresh look at your Medicare options, you’ve come to the right place.

Why would I need more than Medicare?

If you are 65 or older, or approaching 65, you’ve probably already given some thought to Medicare, but did you know you have many more options open to you than original Medicare alone? Medicare Advantage plans, supplementary coverage and prescription plans are available to help enhance your benefits.

COMMERCIAL INSURANCE

Also known as Business Insurance, helps protect business owners from unexpected losses. There are many types of insurance policies that protect the company you've worked hard to build, including coverage for business property damage, legal liability and employee-related risks.

o   Business Owner Policy

o   General Liability

o   Business Property

o   Business Interruption

o   Equipment Breakdown

o   Workers Compensation

o   E & O

o   Express Markets

o   Specialty

o   Cyber

RETIREMENT PLANNING

When you’re planning for your retirement, you want to feel confident that your retirement savings is working as hard as it can. Whether you are nearing retirement, or are years away, it’s important to explore all the options to make the most of your retirement income.

 

Ask yourself, are you:

  • Saving and investing for the long term?
  • Interested in adding to your retirement nest egg?
  • Looking for tax-deferred earnings on your money?
  • Planning your estate?

 

At Panther Financial Services, we can help with your retirement planning needs. We can provide personalized advice and guidance to help you determine your goals, as well as identify products from Industry-Leading Carriers to help you achieve them.

What’s an annuity?

An annuity is a type of insurance product that can provide tax-deferred growth for your retirement savings. Fixed annuities offer a set rate of return, while indexed annuities offer a crediting method tied to one or more indices. Many annuity options are available from our carrier partners.

 

PLANNING CALCULATORS