Protection & Living Benefits
Life insurance is a powerful financial tool that can be used to meet many needs. Most commonly, life insurance is used to provide a death benefit to help secure your family’s financial future when you are gone. Today’s life insurance is not just about death benefits – it’s about life insurance you can use during your lifetime.
Living Benefits are additional benefits associated with our life insurance and annuity solutions and provided by optional riders. Our living benefits cover every piece of the puzzle. Whether you’re worried about dying too soon, becoming ill, or living too long, we’ve got you covered.
By asking questions and listening to your answers, we are able to recommend, and help you implement appropriate strategies to meet your personal and business needs and objectives.
Riders are supplemental benefits that can be added to a life insurance policy and are not suitable unless you also have a need for life insurance. Riders are optional, may require additional premium and may not be available in all states or on all products. This is not a solicitation of any specific insurance policy. Payment of Accelerated Benefits will reduce the Cash Value and Death Benefit otherwise payable under the policy. Receipt of Accelerated Benefits may be a taxable event, may affect your eligibility for public assistance programs, and may reduce or eliminate other policy and rider benefits. Please consult your personal tax advisor to determine the tax status of any benefits paid under this rider and with social service agencies concerning how receipt of such a payment will affect you.
Asset Accumulation and Financial Planning
Asset accumulation and financial planning is a process that creates a roadmap for your financial future, enabling you to prepare ahead for life’s twists and turns and to make the most of your assets at every life stage. This process is built around your goals and core values. It defines how asset accumulation can help you and others in your life as well. To help you build a solid financial plan and investment portfolio, we partner with you to gain a detailed understanding of your personal, family and business goals. Saving for your future needs and wants, whatever they may be.
Retirement Planning, Investment Management & Advice
We recognize the commitment and responsibility we undertake when providing investment advice. By listening closely to your needs, we deliver quality investment services that correspond to your objectives. A wide range of investment objectives can be pursued using various financial vehicles.
Retirement planning creates an income for you when you need it, for as long as you may need it. We help you define a distribution strategy that is most tax efficient. The Registered Representatives and Investment Adviser Representatives of Equity Services, Inc. recognize the commitment and responsibility we undertake when we provide investment advice. That’s why we listen closely to your needs and objectives before recommending a course of action.
Estate Planning Strategies
Working with your legal advisor, we explore strategies to help you transfer assets you’ve worked a lifetime building to heirs and not to the government. If you have a desire to be philanthropic, charitable giving could be considered within your estate plan.
Our goal is to help you increase your assets, reduce taxes, and assure that your estate is distributed as you want it to be.
Trusts can be used to avoid probate or reduce estate and income taxes. They can also be used to transfer assets for the protection of your children, to avoid taxation of life insurance in your estate or to keep your assets intact while paying income to someone you designate. Our firm has access to trust services through various trust companies.
Trust services are offered independently of the National Life Group companies. Registered Representatives of Equity Services, Inc. do not offer tax or legal advice. For advice concerning your own situation, please consult with your appropriate professional advisor.
SAGE Scholars Tuition Rewards® Program*
If you are like most parents or grandparents, helping to ensure successful lives for children in your family is one of the very most important goals in your life. Most studies rank funding a child’s college education as among the top three of life’s financial goals – grouped together with home ownership and retirement.
Funding a college education can be expensive. We can help with our unique SAGE Scholars Tuition Rewards® Program*. Through our partnership with SAGE Scholars, Inc., clients earn Tuition Reward Points by saving and investing with The Vermont Agency. These points can then be used towards discounted tuition at participating private colleges and universities throughout the country. One point earned is equal to one dollar in discounts. The maximum scholarship varies by college, but currently is over $50,000!
Strategies for college
Your Family
Parents want the absolute best for their child, and college is no exception. Balancing these best intentions with family financial security is integral to our process. College costs have risen astronomically since you attended, making it critical to find the best college at the best price.
Your Student
We listen to each student’s unique story and expertly guide them through the significant transition from home to college. Through the process, they develop a sense of agency and confidence in themselves, making them ready to thrive at the college that’s right for them.