Capitol Wealth makes available through Capitol Wealth Advisors a broad array of Insurance products to clients aimed at helping them achieve their life goals. This team of Wealth Representatives are available to provide insurance solutions for individuals, families, and businesses.

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Insurance Products Life Insurance Long Term Care Disability Insurance Fixed Annuities Variable Annuities Deferred Annuities Immediate Annuities

Insurance Products

• Life Insurance – provides a stated death benefit to the named beneficiary(ies) upon the death of the insured.  Life insurance is used for a variety of purposes, some of which include helping a family maintain their standard of living after the loss of a loved one, ready cash to pay estate taxes, estate equalization, fund a buy/sell agreement, pay off debt or to fund trusts established to fulfill the donor’s wishes.

• Estate equalization - involves providing benefits to all heirs in a substantially equal manner. This method is especially important to prevent heirs who do not inherit the family business or family farm from feeling disinherited.
• Key Man Insurance - An insurance policy on the life of a key employee whose death would cause the employer financial loss, owned by and payable to the employer.

• Long-Term Care – An insurance policy that provides benefits to individuals who are unable to perform some activities of daily living for themselves such as bathing, dressing, transferring, continence, etc. Coverage provides funds to cover costs of in-home care or nursing home care. Newer policies may include a great deal of flexibility concerning care options, including options such as adult day care which allows the caretaker to continue their career and know their loved one is cared for while they are at work.
• Disability Insurance – An insurance policy that replaces a portion of an individual's income in the event they are unable to work.
• Fixed Annuities – a stream of unchanging payments for a specific period or for an individual's lifetime, depending on the terms of the annuity contract.
• Variable Annuities – an annuity with payments to the annuitant that vary depending upon the investment success of a separate investment account underlying the annuity.
• Deferred Annuities – contracts issued by an insurance company that allow accumulation of monies for retirement on a tax-deferred basis. There are tax penalties for withdrawals before age 59.5 with limited exceptions. Deferred annuities may be fixed (insurance company determines rate of return) and variable (value is invested in sub-accounts which are similar to mutual funds). Deferred annuities may also be qualified (contributions are tax deductible [e.g. IRA]) or non-qualified (contributions are made after-tax).
• Immediate Annuities – contracts issued by an insurance company that provide income to the annuitant. Income may be guaranteed for the life of the individual (or beyond). Immediate annuities may be fixed or variable. Fixed annuities have a guaranteed benefit amount. Benefits from a variable annuity can change over time based upon the performance of the underlying sub-accounts. Once elected, these contracts are irrevocable and may not be changed.