Employee Benefits		Estate Conservation		Retirement Funding		Insurance Products & Sales

Insurance Products


Schaefer Financial Group currently insures more than 1,000 people throughout the country. Since it's founding in 1996, Schaefer Financial Group has offered it's clients investment and insurance products with the financial strength that helps you achieve financial security and a reputation for reliability at competitive premiums.
Find out for yourself what makes Schaefer Financial Group stand above the rest - please read all about the insurance products we offer!
Life Insurance Products - Many people think that life insurance is only for people with families. While it is true that life insurance can help provide for the needs of dependents, life insurance also can be an important part of a well-thought-out estate, business succession or charitable giving plan. And permanent life insurance offers many living benefits as well, such as tax-deferred accumulation. For all of these reasons, life insurance can be important for someone starting out — or for someone who's starting over.

You can use the articles on this page to learn more about the various types of life insurance that are available.

• Whole Life - Whole Life insurance is also known as permanent insurance. You receive coverage for your entire life, as long as premiums (which are a set amount per period) are paid. Whole life policies accumulate cash value tax-deferred.
  
  
• Term Life - Term Life policies provide coverage for a specific amount of time – such as 5 years, 10 years or 20 years. Term premiums are often less expensive than whole life premiums, but once the term of the policy is complete, coverage terminates. There is no accumulation of cash value.
  
  
• Universal Life - Like Whole Life, Universal Life is a permanent insurance policy, which means that it covers you for your entire life, as long as premiums are paid. Universal life, however, offers you flexibility that enables you to change your premiums and death benefit as your needs change.
  
  
• Variable Universal Life# - Variable Universal Life combines the premium and death benefit flexibility of a Universal Life policy with investment opportunities. You can allocate your premium amongst a variety of professionally managed investment divisions plus a fixed account. Of course, with investment opportunities comes risk along with the potential for reward.
  
  
• Joint Life - Joint Whole Life Insurance – also called “first-to-die life insurance” – insures two people on the same policy. The proceeds of the policy are paid at the time of the first individual’s death.
  
  
• Survivorship Life - Survivorship life insurance – available as whole life, universal life or variable universal life# – covers two people and provides payment of the proceeds when the second insured individual dies. Survivorship life insurance is often used to help meet estate planning or business continuation goals.
  
  
• Asset Preserver - Asset Preserver is a considered a “blended product.” It is a universal life insurance policy* with a long-term care option that allows you to access the death benefit, income tax-free, to pay for certain long-term care needs. Your beneficiaries receive whatever death benefit moneys you have not used toward long-term care.

Retirement Funding


Retirement Funding - We offer comprehensive products and services to help you develop a sound, long-term investment strategy. You can choose mutual funds, self-directed, tax-deferred Individual Retirement Accounts (IRAs), and variable life insurance and annuity plans. We also offer products to fund plans for companies of all sizes, ranging from SIMPLE IRAs to full-service defined contribution and defined benefit plans. We offer access to over 8,000 mutual funds from over 250 families of funds. Asset Management / Money Managers - Through Eagle Strategies LLC, we offer access to top money managers which are usually only available to investors with multi-million dollar portfolios. Managed accounts are individual investment accounts offered by financial consultants who provide advisory services and are managed by independent money managers usually on an asset-based fee structure. A managed account investment program combines several services in a customized solution to investing. These services include investment planning, policy developement, manager search and selection, portfolio management, performance measurement and trade execution. All of these valuable services are wrapped together into a comprehensive investment program.


Our clients may click on this logo to link to the NYLIFE Securities Web site.

Annuities - An annuity is a unique financial vehicle designed to help you accumulate money for your retirement and/or turn a lump-sum of money into a guaranteed stream of income payments. These financial vehicles can be used in a multitude of ways to help you meet your retirement needs on a tax-favored basis.


Deferred annuities offer the advantage of tax-deferral and can be used to accumulate money for retirement.

Income annuities are used to generate a stream of income payments that is guaranteed to last for as long as you need it to -- even for the rest of your life.

You can use the information below to help you learn more about which annuity might be right for you.

• Variable Deferred Annuities# - A Variable Deferred Annuity offers the advantage of tax deferral and can be used to accumulate money for retirement. The policy’s accumulated value – and sometimes the amount of monthly annuity benefit payments – fluctuates with the performance of your investment account.
  
  
• Fixed Interest Deferred Annuities - With a Fixed Interest Deferred Annuity, the interest rate on your policy is guaranteed never to fall below a certain amount. For many people, this provides a measure of security about their investment.
  
  
• Immediate Income Annuities - As the name implies, Immediate Income Annuities are annuities under which income payments begin immediately – one period after the annuity is purchased.
  
  
• Special Annuities - "Special Annuities" are actually two different annuity products in one. Our “Split Annuity” is used to generate income while preserving principal. Our “Income Enhancer” is used to generate income while accumulating money in a variable annuity# that has the potential to help you keep pace with inflation.

# Offered by NYLIFE Securities Inc. (member FINRA/SIPC), 51 Madison Avenue, New York, NY 10010.

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Estate Conservation


You have worked hard to build your estate. If you are like most people you want to leave your estate to your loved ones. With proper planning, we can help you do just that. How familiar are you with estate taxes?
We evaluate your current financial plan and recommend insurance and financial products to help protect the wealth you have accumulated. The appropriate solutions may minimize potential tax and inheritance problems and help ensure the availability of liquid assets to help pay the taxes and settlement costs your heirs will face.
There are many strategies available to help you plan your estate. We can help you determine which may be best for your individual circumstances.

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Employee Benefits Products

Individual and Group Health Insurance products

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Executive Compensation

Disability Income Insurance