"Money does not bring you happiness, but it brings you freedom, and the opportunity to enjoy life with the ones you love.  Secure your future today"

Services We Provide

(fiul) Fixed Indexed Universal Life

         Protect your family or business no matter what lies ahead with Allianz Fixed Indexed Universal Life Insurance, a permanent policy that remains in effect from the day you purchase it until you die, as long as premiums are paid.
The policy’s death benefit can be used for:
-Survivor needs
-Mortgage protection
-Wealth transfer
-Charitable giving
-Business needs
The cash value that accumulates in fixed indexed universal life policies can also be accessed tax free during your lifetime through a policy loan and used for:
-Supplementing retirement income, as your need for life insurance decreases
-College tuition expenses
-A down payment on a home
-Emergency and other needs
          We know your financial goals are unique. With that in mind, we don’t just offer a one-size-fits-all fixed indexed universal life policy.  We offer Standard whole life, which provides death protection benefits, accumulates cash value and offers the potential for the policy to earn dividends.  As eel as Custom Whole Life insurance, which offers the same basic insurance/death protection as whole life, while also allowing you to select how long you pay premiums (within limitation). It is designed to build the cash value more quickly which can be accessed once the policy is paid up.

Fixed index annuities

          Fixed index annuities provide the guarantees of fixed annuities, combined with the opportunity to earn interest based on changes in an external market index. But because you're not actually participating in the market, the money in your annuity (your "principal") is not at risk.  A fixed index annuity may be a good choice if you want the opportunity for accumulation, but don't want to risk losing money in the market.
Fixed index annuities can offer:
-Principal protection
-Tax-deferred growth
-One or more index allocation options
-A choice of crediting methods
-Income options, including income for life
-Death benefit options
-Optional benefits that may help protect your retirement assets and income
How do fixed index annuities work?
-You give the insurance company money in one or more payments.
-The insurance company then invests it on behalf of all annuity owners.
-During the accumulation phase, your annuity will earn a fixed rate of interest that is guaranteed by the insurance company.
-You defer paying taxes on your contract’s interest until you receive money from the contract. Tax-deferred interest means the money in your contract can grow faster.
-After a period of time specified by your contract, you may then receive the amount allowed by your contract in a lump sum, over a set period of time, or as income for the rest of your life. This is known as the distribution phase.

Living Trust

          A living trust is a legal document created by you (the grantor) during your lifetime. Just like a will, a living trust spells out exactly what your desires are with regard to your assets, your dependents, and your heirs. The big difference is that a will becomes effective only after you die and your will has been entered into probate. A living trust bypasses the costly and time-consuming process of probate, enabling your successor trustee (who fills basically the same role as an executor of a will) to carry out your instructions as documented in your living trust at your death, and also if you’re unable to manage your financial, healthcare, and legal affairs due to incapacity.
          A living trust is most appropriate for individuals who have complex financial or personal circumstances, such as substantial assets, a blended family, closely held business interests, or property in other states. If you have a complex situation or are uncomfortable trusting your personal knowledge and judgment with such important issues, you might consider hiring a qualified estate-planning attorney to draft this document. Yes, you’ll spend more money, but you can rest assured knowing that your wishes will be carried out exactly as you desire.
          A living trust can also be a very effective tool for an unmarried individual, regardless of financial situation, presuming that the individual’s desires can’t be fulfilled by utilizing beneficiary designations and the joint with rights of survivorship titling option and powers of attorney.

Long-term Care Insurance

          Unlike traditional health insurance, long-term care insurance is designed to cover long-term services and supports, including personal and custodial care in a variety of settings such as your home, a community organization, or other facility.
          Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating. You can select a range of care options and benefits that allow you to get the services you need, where you need them.
The cost of your long-term care policy is based on:
-How old you are when you buy the policy
-The maximum amount that a policy will pay per day
-The maximum number of days (years) that a policy will pay
-The maximum amount per day times the number of days determines the lifetime maximum amount that the policy will pay.
-Any optional benefits you choose, such as benefits that increase with inflation
          If you are in poor health or already receiving long-term care services, you may not qualify for long-term care insurance as most individual policies require medical underwriting. In some cases, you may be able to buy a limited amount of coverage, or coverage at a higher “non-standard” rate. Some group policies do not require underwriting.

These are just some of the other services we offer at O'Keefe Financial services

~ Retirement Planning Strategies ~

~ Tax Free Retirement ~

~ Group Health Insurance ~

 ~ Individual Health Insurance ~

~ Disability Insurance ~

~ Social Security Benefits ~

~ Medicare Supplements ~