Your family is your responsibility and your life, and there’s nothing better than watching them succeed and sharing in their ambitions, dreams, and conquests. But should something unexpected happen to you, or another family member, you’ll want to be prepared for providing the assurance your family needs to keep their futures safe and sound.
At Manna Insurance Group, we’ll work with you to keep your family protected in with not only Life Insurance plans for you and your loved ones, but also Health Insurance to help cover any untimely sicknesses that arise.
At Manna Insurance Group, we are proud to be the leading Nationwide Financial Agent in the state of Washington for the last 3 years. We continue to lead the way and have been recognized by Nationwide’s Financial Leadership for our services. Our team has worked with multiple types of clients and understand how to create the right long-term care insurance solution for you and your family. We have also been able to establish long-standing partnerships with carriers like Nationwide, Mutual of Omaha, Genworth, and TransAmerica. Some people believe that they can sell property or use their savings if they are in need instead of investing in an insurance solution like long-term care. But what if your property value goes down? Or what if you run into an unexpected mishap and need to delegate your savings to other areas of your life? We can’t predict the future, but we can make sure you are prepared.
Individual Term Life
Many individuals consider life insurance to be the cornerstone of a sound financial plan. And while no one likes to think about passing on, Life Insurance can relieve you of the financial worry your loved ones may face in the event of your passing. Your beneficiaries will be able to use your Life Insurance policy to help pay for anything from expensive funeral costs and estate taxes to making up for lost income or funding your child’s education. It can even be used to continue payments on your mortgage to help ensure that the family home stays in the family. At Manna Insurance Group, we know that choosing a Life Insurance plan is a big decision with many important factors to consider. Our knowledgeable team of insurance professionals is committed to walking you through the process and providing you with the best insurance solution to give you and your family the reassurance they deserve.
Mortgage Protection Insurance from Manna Insurance Group is a simple and affordable way to safeguard your family against the financial burden of an outstanding mortgage in the event of your death, by helping to pay off the remaining balance up to a specified amount. With the right coverage, your family can continue living in the house they have come to call home.
Between physical assets and financial successes, there are many things that married couples share. Manna Insurance Group knows that couples today can easily accumulate wealth in the millions, which means hefty estate taxes in the event of either spouse’s passing. A Second-to-Die policy, also known as Survivorship Insurance, is a type of joint insurance that covers the lives of two people, usually married couples, where the death benefit is not paid until the death of the second insured person. A Second-to-Die policy from Manna Insurance Group gives your beneficiaries the means to pay off your estate taxes without having to liquidate the personal assets you’ve worked hard to attain. And because the policy insures more than one person, you’ll also enjoy a lower premium, and the total cost of the insurance will be cheaper than the estate taxes your beneficiaries will be liable to pay.
Corporate Owned Life Insurance
Corporate Owned Life Insurance (COLI) is specifically designed for the Business Life Insurance market and features institutional pricing to address needs around funding Key Employee Benefits and Business Succession Planning. This unique product was originally exclusively provided to Fortune 500 companies, but today is available to small and mid-size businesses. Other benefits of COLI include:
- Very high early Cash Values – with No Surrender Charges – that result in a Balance Sheet-friendly Asset
- Guaranteed and Simplified Issue Underwriting for multi-life plans
- Smooth implementation and support from a unit 100% dedicated to the business market
Key Person Insurance
Key Person, or Key Men, Insurance provides financial support for business owners in the event that death or permanent disability results in the loss of an employee who is essential to business operations. This policy helps assure that business can continue as planned while you look for a suitable replacement. In addition, it affirms the importance of the talent that the Key Person brings to your business. Several business benefits are built into your Key Person Insurance policy with Manna Insurance Group, such as:
- Coverage that acts as a business asset for enhancing your company’s creditworthiness
- Cash value of the policy that may be available to your business as a loan if needed
- A policy that can be converted to a retirement bonus for the key employee
Universal Life Policy
Provides permanent protection or the flexible selected no-lapse guarantee period. Designed for family protection, wealth creation and wealth transfer. Coverage can be guaranteed for the selected no-lapse guarantee period as long as sufficient premium is paid. A Long-term Care rider can also be added providing coverage at a specified amount, for a specified length of time as a cash indemnity style paid directly to the policy owner with no need to submit bills.
Whole Life Policy
Provides permanent life insurance protection, providing lifetime coverage, as long as premium is paid. Some of the money paid into a whole life policy is guaranteed to grow. The death benefit may make while life insurance a good choice for protection assets from loss, or take care of final expenses.
Serving employer groups of 2 or more. We have plans that accommodate employer contribution as low as 50%, up to 100%. Group health plans allow employers to offer affordable health coverage for employees and their families that cannot be obtained outside of a group medical plan. Manna prides ourselves in providing optimal customer service for Employers by handling their enrollment, and employee benefit explanation needs as well as being available to both the Employer and Employees questions.
Individual & Family Health Plans
Manna Insurance Group works with multiple Health Insurance providers to provide coverage for Individual or Family needs. These plans range from low to high deductible allowing us to help our clients choose a plan best serve Individual, or Family needs. Choosing Manna as your broker allows us to assist in the explanation of plans, helping navigate the needs and questions of our clients, and allows us to advocate for on behalf of our clients with their Healthcare coverage provider, giving our clients the confidence that the right questions are being asked, and they are protected.
Washington Health Exchange Plans
The Washington Health Exchange program is a State funded program that allows us to walk through an application with clients that takes into consideration their household income, allowing clients to obtain tax credits and discounts for their Health Insurance. Choosing Manna as your broker allows us to assist in the explanation of plans, helping navigate the needs and questions of our clients. The exchange offers multiple options that can be intimidating to an individual, at Manna we walk our clients through each plan and advocate for them going forward if needed.
Medicare Supplement Plans
Manna Insurance Group works with multiple Medicare Supplement providers. This allows Manna to service those 65 and older who are in need of additional coverage in conjunction with their Medicare plan. We will walk through the process, benefits, and future needs.