Dixon Advisory Group

The basic purpose of everything we do at Dixon Advisory Group is to create cash. While most people think they don’t need more insurance, you definitely need and want what insurance can do: create cash at a discount when you need it most. Good health is yours on a day to day basis and no one dies or gets sick at the right time. The best investment in the world is one that pays the most when you need it most. And that is what insurance does.

Life Insurance

When you die, how many of your investments will be at their highest value, totally liquid and free from income tax? Your life insurance will. We will show you the prices charged by most every company in the industry (even the ones we don't represent) and offer you a competitive quote on 10, 15, 20 or 30 year term. We also offer Universal Life policies that can lock in your premium for life.

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Fixed Indexed Annuities

In survey after survey, seniors state that their biggest fear in retirement is running out of money. Why then would you put your life savings in places where it could be lost? Why not put guarantees in your retirement. If we could offer you:

  • Safety and opportunity on the same dollar at the same time

  • A 10% bonus on your premium deposit

  • A strategy that would protect your retirement savings from loss, while earning a market linked return

  • A 7% annual return that can be used to calculate a guaranteed lifetime income at any time,

Would that be worth a conversation?

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Long Term Care

What if you had a long term care benefit that you could use if you needed it, but if you never used it, the money would be paid as a death benefit? There are new policies that combine life insurance and long term care in one policy that can do just that. Who do you want to inherit your money when you die? Do you want the nursing homes to get it? How about the hospitals or the government? The U.S. Department of Health and Human Services says that four out of every ten people who reach age 65 will enter a nursing home at some point in their lives. About 10 percent of the people who enter a nursing home will stay there five years or more. Learn how to protect your assets with Long Term Care Insurance.

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Final Expense (Whole Life) Insurance

A very affordable way to pay for burial and other final expenses. I think everyone should have a plan to pay for their own burial and other expenses when they pass. These policies are available from age 50 to 80. There are no exams required. You simply answer a few health questions on the application. Even if you have a health condition, you still could qualify for some level of coverage.

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Health Insurance

In my opinion, the main reason folks pay too much for their health insurance is that they pay for benefits they don't use. We offer:

  • Group Health for companies with 2 to 25 employees

  • Individual Health insurance for the self employed

  • Medicare Supplement policies

Let us see if we can lower your health costs.

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Disability Insurance

Your most valuable asset…isn't your home or family heirlooms – it's your ability to earn a paycheck. Unfortunately, an accident or serious illness can make it impossible for you to work and could put your family in financial jeopardy.

What are your chances of being disabled?

  • Forty three percent of all people age 40 experience a long-term disability before they reach 65 (JHA Disability Fact Book 2006).

  • Studies show that a 20-year-old worker has a 3 in 10 chance of becoming disabled before reaching retirement age. (Social Security Administration Publication No. 05-10029, August 2010).

Do you have a financial plan to protect your family if you are hurt or sick and can't work?

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Critical Illness Insurance

Do you know someone who has had a heart attack, a stroke, or been diagnosed with cancer in the last six months?
Do you worry that it could just as easily happen to you?

If you survive a critical illness, are you prepared for the financial burden of recovery?
Health insurance will not cover lost wages. Where would the money come from for home and car payments, deductibles or home health care? What if you couldn't return to your present job and salary for some time? A Critical Illness Insurance policy pays the insured a lump sum at the first-ever diagnosis of up to 21 covered illnesses or procedures. An outstanding feature, the Return of Premium Death Benefit returns 100 percent of paid premiums (less any benefits received) to the beneficiary if the insured dies of any cause other than a covered illness.

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