Insurance
Individual Insurance
CP Capital provides personalized, superior, insurance solutions to every client. Our products span a vast array of insurance instruments with numerous options designed to simplify your complex financial lives.
Life
We have over 100 years of combined insurance experience together with our affiliates.
Insurance Partners:
ING, Prudential, Lincoln National, Sun Life, Allianz, American Fidelity, American General, American National, Aviva, AXA, Banner Life, Genworth Financial, Guardian/Berkshire, Illinois Mutual, John Hancock USA, Lincoln Benefit, Mass Mutual, Met Life, North American Life, Phoenix Life, Presidential Life, Principal Life, Protective Life, SBLI, Standard Life, The Hartford, Transamerica, United of Omaha, United Home Life, West Coast Life, Western Southern
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Disability
Your Ability To Earn is one of your greatest asset.
When a disability leaves you unable to work for an extended length of time, you lose the ability to earn an income- the one thing you’ve always relied on to provide for yourself and your loved ones. Meanwhile, your living expenses continue-in fact, they’re likely to increase for a number of reasons. You could need help around the house or have higher medical expenses, for example. That’s where disability income insurance (DI) comes in. It’s designed to help you maintain your standard of living when you cannot work. If you don’t have much in the way of assets for a financial cushion, you need enough to cover costs and supplement your income until you can go back to work.
Disability income insurance is needed by just about everyone who earns a living. Surprisingly, single people often need it more than married couples because they don’t have a spouse’s income to fall back on if they are injured or become too sick to work. On the other hand, most married people have a hard time imagining what it would be like to live on one salary when they barely get by on two. And unfortunately, disability strikes more often than you may think.
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Special Risk
Extreme hobbies like motor-cycle racing, car racing, and even scuba diving poses certain under-writing difficulties. Individuals who enjoy these sports will find it more complicated to get coverage. A skilled advisor will find you the proper coverage and explain when you are insured and when you’re not.
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Annuities
Annuities can be categorized into a few different types:
A fixed annuity is a contract where principal, interest, and the amount of benefits paid are fully guaranteed by the insurance company.
A variable annuity does not offer guaranteed returns. Instead, variable annuities offer the potential to realize higher rates of return by giving you the opportunity to choose the variable investment options in which your money will be invested. Please keep in mind that your rate of return is not guaranteed and your principal is subject to fluctuations. Many variable annuities also offer a fixed interest rate account in addition to the variable investment options.
An immediate annuity is purchased with a single premium payment and you set the starting date for the payout to begin sometime within the next 12 months-generally sooner rather than later.
A deferred annuity is an annuity for which annuity payments to the owner begin only after a period of time, known as the accumulation period, has passed. During the accumulation phase, you can attempt to build your deferred annuity with a lump sum, a series of payments over time, or both. The ability to combine one-time and periodic contributions gives you added flexibility as you seek to build a larger retirement resource.
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