Schmalberg Associates  

A Value-Added Broker: Long-Term Care, Disability Income, Life Insurance & Annuities

We Appreciate Your Business and Always Work Hard for You!

 State Licensed and Authorized Agent

Call Today!  (718)467- 3860    Fax: (718)467- 3864

Popular Insurance Products and Options

$12,000 monthly cash benefit for catastrophic disabilities.

• Lifetime duration

• Easy pay premiums

• Cash long-Term Care Plan Product Details

The Long-Term Care Return of Premium Rider (RPR) has come to the fore in the industry capturing the attention of value conscious businessmen nationwide.  Some major players among the Long-Term Care carriers now offer an RPR.

• The foremost RPR returns to the insured's estate all premiums paid into the plan regardless of claim benefits used. 

• Yes, you got it straight the first time. 

• This is a win-win plan since the policyholder will receive all the LTC claim benefits he or she is entitled to and then the insured's estate will receive a full return of all premiums paid into the plan as a death benefit. 

• You can't lose! 

• This is an asset protect vehicle working at its finest. 

• Call us for the details today.

• A second LTC RPR policy enhancement returns to the insured's estate all premiums paid into the plan minus any benefits received by the insured as a death benefit. 

• This rider is also attractive since it acts as an asset protection vehicle since the policyholder will receive all entitled benefits plus a return of premium equal to all premiums paid minus any benefits received. 

• Conditions or exclusions may apply. 

• Now offered with limited pay options at attractive premium rates.

C-Corporation tax incentives sweeten the Long-Term Care Insurance deal and make the premiums much more affordable.

• C-Corporation Long-Term Care Details

• List of long-term care tax incentives

A perfect pairing of Long-Term Disability (LTD) insurance and Long-Term Care (LTC) insurance for individuals in the capped disability income replacement category. 

• Long-Term Care and Disability Income Details

A few carriers have advanced Universal Life (UL) policies with a full Return of Premium Feature. 

• This much sought after feature in UL policies returns to the insured's estate all premiums paid into the plan as an additional death benefit.

• This hard to find feature is offered with limited pay options at attractive premium rates guaranteed to be level for the life of the policy.

• Universal Life Plan Product Details

Start the process today or obtain additional information:

• Call us at (718) 467-3860

• Fax us at (718) 467-3864

• Use our eHelp Desk form

• E-mail us with at business@schmalberg.com

• Use our Quote Request Form

Notice:  All information on this site is subject to change without notice.

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