12/02/2017
I have been in the Financial Service Industry for over 40 years in many capacities. My career has been interesting and challenging.
There have been so many changes and technological advances over this time frame: new products, new methods of distribution, new competition, new management.
What I learned is that to succeed and remain in one industry for so long one must continue learning and must adapt to the changing environment.
One must embrace new ideas, new technology, new products new challenges and remain up to date though education, and take advantage of ones experience.
As a result, of this philosophy I realize the need to form a Consulting Organization independent of sales.
Appel Financial Consultant Group provides individuals and corporations the ability to review their existing plans to see if they are performing as intended.
We can review any proposed Life, Long Term Care Annuity or Corp Fringe Benefit plans and make comparisons of other products in the industry to see if what is proposed is an unbiased recommendation.
I also recognize that as our population ages and lives longer then expectations the Life Insurance Plans they bought 20 years ago may be a burden to maintain through retirement. Also the needs of their beneficiary, usually their children, need cash now for the grandchildren's education, for buying a home or even for a divorce.
There are methods of obtaining funds from the death benefit of these policies without dying and freeing up the premium payments.
If you or your parent is over 70 let us determine if their policy qualifies for this unique program.
With change there are opportunities, advances and new methods of helping our clients secure their future.
Appel Financial Inc. still remains an independent insurance brokerage firm representing most major carriers working with individuals and corporations for their fringe benefit programs.
