O'Brien Insurance Services LLC

LONG-TERM CARE INSURANCE

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Long-Term Care Insurance

A Long-Term Care Insurance policy provides essential coverage in the event of a long-term care stay. In addition to offering competitive commissions for you, LTCI offers flexible policy options for clients looking to secure their financial future.

  • Traditional and Asset-Based policies
  • Coverage for future or current long-term stays
  • Asset preservation and peace of mind

Indexed Universal Life

Indexed Universal Life insurance is great for your clients who want stronger growth potential than what is traditionally available with whole life insurance. IULs mirror the performance of a stock index, such as the S&P 500. IULs offer great growth potential with little downside risk.

  • Strong Growth Potential
  • Flexible Premium Options
  • Additional Benefit Riders
  • Tax-Free Death Benefit

Whole Life Insurance

Whole Life insurance provides lifetime protection at reasonable and level rates. Many policies offer additional benefits to suit a multitude of client needs.

  • Flexible Premium Options
  • Simplified Issue
  • Additional Benefit Riders
  • Cash Value Growth
  • Dividend Paying PAR Policy option

Term Insurance

Term Insurance is a great option for your clients who need a large amount of coverage for a limited time and with low cost. Term insurance offers coverage for a specific time, typically 10-30 years.

  • Great for Mortgage Protection
  • Very Low Rates
  • Business Protection
  • Convertibility

Final Expense Insurance

Finale Expense Insurance, often referred to as Burial Insurance or Funeral insurance, is a type of life insurance policy designed to cover the costs associated with a person’s funeral and other end-of-life expenses.

  • Easy to Qualify
  • Dividend paying PAR option
  • Medicaid Spend-Down protection
  • Guarantee Issue

Indexed Annuities

Indexed Annuities, commonly known as Equity Indexed or Fixed Indexed annuities, are great for your clients that want higher growth potential with little downside risk. Many Indexed annuities also offer income benefit riders that can greatly increase the contract value upon annuitization.

  • Increased Growth Potential
  • Income Benefit Riders
  • Increased Principal Protection
  • Tax-Deferred Growth

MYGAs

Multi-Year Guaranteed Annuities (MYGAs) offer a rock-solid way to ensure a stable and prosperous future for your clients. If your clients want guarantees, then this is it!

  • Diversify your Portfolio
  • Choose your Terms 3yr, 5yr & 10yr Options
  • Guaranteed Growth