MJ Telpner Insurance

Thank you everyone for the birthday wishes! I am truly blessed to have such wonderful family and friends!

Many people want life insurance, but avoid looking for different reasons. You might think it’s unaffordable, that you’re not healthy enough or you’ve gone online yourself tried to get coverage got frustrated and gave up. You might just not want an agent in your house. Several years ago a good agent helped me overcome these reasons/objections so that I could protect my family! I’m that agent now that can help you! I work with dozens of carriers and am licensed in multiple states. Let me help you protect your family!
mjtelpnerinsurance.com
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402-917-5743

MJ Telpner Insurance | Omaha NE Life Insurance MJ Telpner Insurance is an independent insurance agency specializing in Life Insurance Solutions. We work with the major insurance companies so we can offer our clients appropriate coverage for them.

The future belongs to those who believe in the beauty of their dreams. Eleanor Roosevelt

Confused about your Life Insurance options? Make sure to contact us today for a no-cost consultation.

It's important to choose life insurance beneficiaries carefully to ensure that the right people are eligible to received proceeds from your policy.

Unlike term life insurance, cash value insurance policies do not expire after a specific number of years.

Success is where preparation and opportunity meet. Bobby Unser

With Life Insurance a Non-Forfeiture Clause is a clause in an insurance policy with cash value that entitles the insured to all or a portion of the benefits, or a partial refund on premiums paid, if the insured person misses premium payments and the policy lapses as a result. This clause is usually only in effect for a limited period of time.

What is Accident Insurance?
Accident Insurance helps you handle the medical and out-of-pocket costs that add up after an accidental injury. This includes emergency treatment, hospital stays and medical exams, and other expenses you may face, such as transportation and lodging needs.

September is Life Insurance Awareness Month!

Term Insurance is the most affordable type of insurance when initially purchased, is designed to meet temporary needs. It provides protection for a specific period of time (the "term") and generally pays a benefit only if you die during the term. This type of insurance often makes sense when you have a need for coverage that will disappear at a specific point in time.

Courage is grace under pressure. Ernest Hemingway

The two key factors life insurance companies consider when determining the rate you pay for coverage are health and age. The younger you are when you buy life insurance, the cheaper it tends to be, Winslow says. That’s because you tend to be healthier when you’re younger, and therefore less risky to insure.

Typically, people underestimate how much life insurance they need. They tend to think only about how much would be needed to pay off their major debt, such as a mortgage. However, they should consider how much more would be needed to help a spouse or partner pay bills, support children, pay for college tuition or cover any other long-term needs.

Critical Illness insurance, also referred to as Critical Care insurance or Critical Illness coverage, provides a lump-sum cash benefit to help cover expenses associated with a qualifying serious illness. Critical Illness can strike at any time. We’ve all heard stories of friends or family members who have been affected by a serious illness. What we don’t hear is how the financial strain may also have a major impact during this trying time.

Permanent Life Insurance (most of which are also known as “cash-value”), which are life insurance policies with investment components attached to them, that can last for the whole life of the insured. Under this umbrella, there is a flurry of policy types to choose from, including whole, variable, and universal life.

In every walk with nature one receives far more than he seeks. John Muir

Term insurance premiums will not increase during the guaranteed policy time period (term) you select. Term life insurance pays a death benefit only if you die during that term. Term insurance generally provides the largest insurance protection for your premium dollar.

There are two main types of savings plans for education expenses: Coverdell education savings accounts and Section 529 plans. Coverdell accounts work rather like an IRA. Contributions grow tax-free, and withdrawals are free of tax if used for qualified education expenses. Coverdell accounts can also be used to pay for K-12 expenses as well as college costs. Section 529 plans provide tax-free earnings and distributions for higher education expenses, and they generally have fewer restrictions than Coverdell accounts.

Final expense insurance can provide funds to your family within 24-48 hours of your passing whereas traditional life insurance plans can take weeks to pay out. This instant, short-term monetary relief can be crucial for staying current with mortgage payments and covering day-to-day living expenses.

Life insurance may be one of the most important purchases you'll ever make. In the event of a tragedy, life insurance proceeds can help pay the bills, continue a family business, finance future needs like your children's education, protect your spouse's retirement plans, and much more. If you're considering securing you and your family’s financial future, we would be happy to review your current situation and offer a few ideas on how you can protect it!

The pessimist complains about the wind; the optimist expects it to change; the realist adjusts the sails. William Arthur Ward

Imagine the worst case scenario. A fatal accident today would force your loved ones to immediately experience financial hardship. On top of your final expenses, the mortgage is due, but your family has no way to pay it without your income. They haven't even had enough time to grieve and now they have to deal with the impending tragedy of foreclosure. Like most life insurance, mortgage protection insurance eases the financial burden of your loved ones. It is an affordable way of ensuring that your home is paid for no matter the circumstances. Cancer, stroke, heart attack, injury, death—your family will never be in jeopardy of losing its home as long as you put a custom mortgage protection insurance plan in place.

Fast Fact: Life Insurance Awareness: 70% of American families would be bankrupt in months if they lost the primary breadwinner.

Accelerated benefits, also known as “living benefits,” are life insurance policy proceeds paid to the policyholder before he or she dies. The benefits may be provided in the policies themselves, but more often they are added by riders or attachments to new or existing policies.

What happens when a whole life policy is paid-up?
Paid-up life insurance pertains to a life insurance policy that is paid in full, remains in force, and you no longer have to pay any premiums. The cash value continues to grow in time with the premiums that you pay. If you surrender the policy earlier, you are then entitled to some of the cash value.

I believe every human has a finite number of heartbeats. I don't intend to waste any of mine. Neil Armstrong

In the event of a premature death, a life insurance policy provides liquid resources your loved ones may need to pay immediate and continuing expenses. And for those that live a long life, the cash value in life insurance could be available to you as a source of additional retirement income for your golden years. Ultimately, the goal of life insurance is to ensure that your life’s accumulated wealth remains useful to your family and your goals—not spent on avoidable taxes or mismanaged after you’re gone.

The S corporation allows the owner to report the taxes on their personal tax return, similar to an LLC or sole proprietorship. An established S corporation can help boost credibility with suppliers, investors, and customers since it shows a commitment to the company and to the shareholders.

Key person (employee) insurance is a particular type of life insurance policy taken out by a company on one of their employees, in which the company is the beneficiary in the case of that employee's untimely demise.