Juffer Insurance Inc. - Life Insurance

Life & Health Insurance

Term Life Insurance - simplest form of income protection
available. You purchase a specified dollar amount for a specific
time. The primary options to be aware of with term insurance is
the renewability feature and period of time, if any, in which the
premium is guaranteed at the given rate. You may purchase a 10,
15 or 20 year guaranteed premium policy. Your individual needs
will help you determine the length of time to purchase.

Universal & Whole Life Insurance - both of these insurance
policies are considered to be permanent forms of insurance. They
provide a death benefit and also accumulate cash value. The
premium is determined at the time in which you purchase the
coverage and is based on your age, the amount of coverage you
wish to purchase the death benefit, and the amount of money you
would like to contribute to the cash value of the policy. It is
important to be aware of the guaranteed earnings in a universal or
whole life policy and not just the current earnings or earning
potential.

Disability Income - this insurance is used to replace your
earnings if you were to become disabled and unable to work. This
coverage is a must for any working individual. When purchasing
disability coverage it is important to be aware of the definition of
disability as defined in the policy. This definition will be used to
determine your eligibility to collect any benefits from the policy.

Short-Term Heath Insurance - this is a temporary health insurance option to fill the
gap for individuals and/or families who are losing insurance
benefits. This may be due to changing jobs or graduation from
school and looking for work. A short-term policy may be written for
one month, one year, or anytime in between. It is primarily major
medical coverage. It's primarily used to cover a period time while
waiting for eligibility for comprehensive health coverage through an
individual or group plan.

Medicare Supplements - are an insurance plan that may be
purchased by anyone eligible to received medicare benefits. There
are a number of plans available to help pay for medical expenses
not covered by medicare as long as it is a medicare approved
charge. How much will be paid will be determined by the plan that
you purchased. A good medicare supplement will cover the
medicare Part A & B deductibles and the remaining $20.00 due on
the medicare approved charges.

Family / Individual Health Insurance- plans that are considered permanent forms
of comprehensive health coverage. Premiums will vary by
coverage desired and deductible options. It is important to
discuss with your agent what you expect to be covered by a plan
and any budget constraints you may have to insure that you are
purchasing a plan that is right for you and your family.

Group Health - as an employer, you know the importance of benefits to your
    employees. It is essential for attracting new employees as well as maintaining
    your current personnel. Whether you have 2 or 200 employees, Perspective
    Insurance can help. We have access to numerous companies to help you find
    a benefit package that fits your needs and budget. From small group plans to
    self-funding, Perspective is your source for all your group health needs.

Long Term Care - this coverage, also referred to as nursing
home coverage, may be one of the most important forms of asset
protection you can buy.

Long Term Care insurance will pay a specified daily limit for each
day you are confined to a nursing home. The daily limit is chosen
at the time of purchase and will begin after the elimination period
ends, which is also chosen by you. Dependent upon the type of
plan you have purchased, a long term care policy can also be
used to pay for home - health - care costs and intermediate
facilities.

Securities offered through Gardner Financial Services, Inc. 8421 Wayzata Blvd, Suite 350, Minneapolis, MN 55426.
A registered broker/dealer. Member FINRA, SIPC.