AMERICA'S FINANCIAL CENTER, LLC
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INSURANCE

Life Insurance
It’s for the living.

A couple of things. First, life insurance could help your loved ones avoid financial hardships if you pass unexpectedly. A death in the family is hard enough without adding pressure from expenses on top of the grief.

If helping loved ones maintain a standard of living and avoid financial hardships after your passing is a priority for you, life insurance products can help. A general rule is that you may want to seek coverage between five and seven times your gross annual income. Another way to determine how much life insurance you may need, is by calculating how much net cash your family needs and then buy enough insurance that can earn four percent to five percent annually to replace the income.  As far as the various types of policies go, they can generally be placed into one of two categories: term and permanent.

Term insurance provides coverage for a specified period of time and pays out a specified amount of coverage to your beneficiaries only if you die within that time period. A permanent insurance policy, on the other hand, will stay permanently in effect for the rest of your life, as long as premiums continue to be paid.

Long-Term Care
Who will take care of you?

As the oldest baby boomers begin to wind through their 70s, one of the biggest concerns may not be outliving income but outliving good health. With at-home care services averaging $20 per hour and assisted living facility costs averaging $3,628 per month, (1) it’s understandably daunting. Does your retirement income strategy account for this kind of possibility? Would you be prepared for twice that amount as a married couple?

Considering that you could have to reduce your financial means before Medicaid will pay for long-term care and neither your employer group health insurance nor major medical insurance will cover long-term care, you may want to consider planning ahead for these potential expenses.

We can help evaluate your situation and determine what kinds of products could fit into a comprehensive long-term care strategy, one that is suited to your needs and circumstances.
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¹ Genworth Financial. April 2016. “Genworth 2016 Cost of Care Survey.”  Accessed Aug. 31, 2016.

Disability
If you can't work, you still need support. We offer disability insurance to our clients.

Typically, the things we own - and the people we provide for - depend on our ability to provide future earnings. What happens if an unforeseen medical issue prevents you from working? What would they do?

Without income, your future could be jeopardized. We can help you determine the level of disability coverage you need for your particular situation in order to help cover you in the event of an unexpected disability.
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5601 NE Antioch Road, Suite 8
Gladstone, Missouri 64119
P 816.455.9100
F 816.455.9105
info@afcadvisors.com
Registered Representative of and securities offered through Berthel Fisher & Company Financial Services, Inc. (BFCFS). Member FINRA/SIPC.  Investment advisory services offered through BFC Planning, Inc. America’s Financial Center, 401K Store, 403b Store, 457b Store, Azodi CPA, Income Tax Center, BFCFS, and BFC Planning, Inc. are independent entities. *BFCFS and BFC Planning, Inc. do not offer tax advice. Azodi CPA, offers tax advice. Licensed Insurance Professional.
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Privacy Policy

We are an independent financial services firm helping individuals create retirement strategies using a variety of investment and insurance products to custom suit their needs and objectives.

Investing involves risk, including the loss of principal.  No Investment strategy can guarantee a profit or protect against loss in a period of declining values.  Any references to protection benefits or lifetime income generally refer to fixed insurance products, never securities or investment products.  Insurance and annuity products are backed by the financial strength and claims-paying ability of the issuing insurance company. 
We are licensed to sell Insurance Products in the following states:
AZ, CA, FL, IA, IL, IN, KS, LA, MO, NE, OH, OK, OR, PA, TX
We are registered to sell Securities in the following states:
AZ, CA, CO, FL, GA, IA, IL, IN, KS, KY, MI, MN, MO, NC, ND, NE, NM, NV, NY, OH, OK, OR, PA, SC, SD, TX, UT, VA, VT, WA, WI, WY
  • Home
  • About
  • Services
    • Wealth Management
    • Insurance
    • Taxes
    • 401K Store
    • Estate Planning
  • Resources
    • IRS Limits
    • Retirement Income Strategies
    • Calculators
  • Blog
  • Contact
  • Client Login