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Schmalberg Associates
A Value-Added Broker: Life Insurance, Long-Term Care, Disability Income, & Annuities שומר שבת We Appreciate Your Business and Always Work Hard for You!
Call Today! (718)467- 3860 Fax: (718)467- 3864 Avoid Life Insurance Policy Lapse Boro Park, Flatbush, Williamsburg, Crown Heights, Manhattan |
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**************************************************************************** Looking to build superior asset protection for your retirement plan and/or estate plan? Our Value-Added Program will help you put the pieces together. ****************************************************************************
The Benefits of Doing Business with Schmalberg Associates שומר שבת
Schmalberg Associates is a full-service value-added insurance broker. We work hard for you to customize insurance plans to assure that the necessary funds will be there when disaster strikes or a loss is suffered. We offer free professional quotes, consultation, assistance and educational resources. We represent leading insurance carriers and are licensed to sell:
We specialize in financial products that are excellent for highly-skilled professionals, executives and business owners who desire to obtain coverage and seek asset protection from an insurance perspective. We also offer new and innovative product opportunities for high net-worth individuals.
In additional, our hard-to-beat value-added services include 30 years experience as a systems analyst deploying and maintaining computer Internet/Intranet systems and application software. This includes the full installation and integration of servers and clients, operating systems, firewalls, e-mail and application database management.
Employee Benefits and Tax Advantages
We have products that offer tremendous employee benefits and tax savings. Such products include long-term care insurance plans that enable the C-Corporation to provide coverage to employees as a benefit and then deduct one hundred percent of the premiums the corporation pays out. The corporation is allowed to decide who gets coverage. This allows employees, including those which are officers and/or stockholders, to receive coverage as an employee benefit, to exclude the premiums from their taxable income and then receive long-term care claim benefits generally tax-free. The employee's spouse, dependent parents and dependent in-laws can be extended coverage as well. Also as of 2003, new tax advantages became available for the self-employed, S-Corporations and partnerships. Consult your financial advisor.
Regarding Retirement and Estate Planning
No retirement plan or estate plan can be complete without drafting a long-term care plan and addressing the required funding. Accountants and financial planners, as well as other advisors who act in a fiduciary capacity, have the obligation to warn their clients of the financial risks that long-term care costs pose to retirement and estate plans. Furthermore, these fiduciaries have the responsibility to guide their clients to a long-term care professional.
Special care should be taken to develop a proper long-term care plan and a funding vehicle that will work smoothly with existing estate and retirement plans and protect their assets. Self-insuring, even when large funds exist, is generally avoided since it depletes the very assets that the estate plan was created to protect in the first place. Parting with retirement funds is usually not viewed as a viable option either. Therefore long-term care insurance should always complement estate and retirement plans to protect assets as well as to protect the client's comfort and freedom of choice. Our assistance is just a phone call away. Call us at (718)467-3860. More long-term care planning and fiduciary liability information for accountants, financial planners and elder care attorneys.
Long-Term Care Learning Center and Educational Resources
We specially designed this site to publicize the need for long-term care insurance. Those who seek detailed information and analysis are welcome to explore the many rich features that our site offers. We take pride in the fact that our web presence provides substantial long-term care education for consumers. However, please remember that insurance has many complex details and a professional broker must always be consulted. Therefore, we urge all those seeking coverage, from the novice to the well-informed, to utilize our professional services before making any decision. We are always happy to offer personal assistance. New! Survey of Adult Day Services & Home Care Costs September 2008
Licensing and Customer Support
We are licensed in New York, New Jersey and California. Residents of other states may do business with us while they are working in or visiting New York, New Jersey or California. State and carrier restrictions may apply.
We are contracted with the leading carriers in the industry, which provide us with solid underwriting support. This enables our clientele to choose among the best plans at the lowest premiums available.
Value-added Licensed Broker: George Schmalberg
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Notice: All information on this site is subject to change without notice.
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