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Sunset Horizon

Insurance Solutions

Just as important as saving for your financial future is protecting your financial future.  We offer a wide breadth of insurance solutions, such as:

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Life Insurance

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We all know the day will come, we just don't know when.  It is vital to protect against this uncertainty and make sure you and your family are prepared.  The lack of appropriate life insurance coverage is what can make all your other careful financial planning irrelevant.  We have access to dozens of carriers and strive to find the most up-to-date and cost-effective programs for you based on your unique needs.

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Long-Term Care Insurance

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Almost 70% of people turning age 65 will need long-term care at some point in their lives, and with the rising cost of medical bills, nursing home costs, and other unplanned expenses, long-term care insurance protection is crucial.

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Very rarely covered by health insurance, long-term care is costly and can significantly deplete assets.  Long-term care insurance can help pay for a care plan and in the end help protect your assets and retirement income.

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Medicare Supplement & Medicare Advantage

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Medicare Supplement Insurance (often called "Medigap") and Medicare Advantage Plans can help pay some of the health care costs that are typically not covered by Medicare, such as copays, coinsurance, and deductibles.  Choosing between the types of plans can be a daunting exercise and really depends on an individual's situation, so we can go through an evaluation process with you to help determine the plan that makes the most sense for you.

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Disability Insurance

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How would you supplement lost income if you were unexpectedly injured or disabled?  Unfortunately for many, it could mean dipping into your savings or future retirement income.  Disability insurance can serve as the cornerstone of individual and business income and expense protection.  We can structure coverage to help protect personal and business income against catastrophic loss due to an injury or long-term illness.


We are committed to helping you pursue your financial goals while mitigating the risks we have little control over.  Contact us to find out what insurance plans might be appropriate for you.

Contact: 

Chris Scriminger

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Tel:  (970)596-1288

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chris@vestalrs.com

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619 Main Street

Grand Junction, CO 81501

Check the background of your financial professional on FINRA's BrokerCheck.

 

Investment advisory services offered through First Heartland® Consultants, Inc.

4101 Lake St. Louis Blvd. Lake St. Louis, MO 63367  636.625.0900
Vestal Retirement Solutions is not affiliated with First Heartland® Consultants, Inc.

 

This site has been published in the United States for residents of the United States. The entire site has been prepared solely for informational purposes, and nothing contained herein should be construed as an offer to buy or sell, or a solicitation to buy or sell, any security or other investment product or to participate in any particular trading strategy. No information contained herein should be regarded as a suggestion to engage in or refrain from any investment-related course of action. All views expressed and materials presented are subject to change without notice and are not intended and should not be construed as investment, tax, or legal advice. Please consult legal or tax professionals for specific information regarding your individual situation. All information is believed to be from reliable sources; however, no representation is made as to its completeness or accuracy. *Stocks, mutual funds and variable products are not suitable for all investors. Before making any purchase you should carefully read the prospectus and prospectuses for the underlying investment portfolios of variable products. In addition to carefully reviewing the prospectus, you are advised to consider the investment objectives, risks and charges, and expenses of the investment before investing. A prospectus may be obtained from our office or directly from the mutual fund company, insurance company or offering entity. *Variable annuities are long-term investments designed for retirement purposes. Variable products have limitations, exclusions, charges, termination provisions and terms for keeping them in force. There is no guarantee that any of the variable investment options in this product will meet their stated goals or objectives. The account value is subject to market fluctuations and investment risk so that, when withdrawn, it may be worth more or less than its original value. All annuity product guarantees, including optional benefits, are based on the claims-paying ability and financial strength of the issuing insurance company.     

 

Employees or representatives of Vestal Retirement Solutions acting as investment advisor representatives of First Heartland® Consultants, Inc. may transact business in a particular state only if first registered, excluded or exempted from registration requirements. Christopher Scriminger is an Investment Advisor Representative of First Heartland® Consultants, Inc., a registered investment adviser based in Lake Saint Louis, Missouri.

 

By activating a third-party hyperlink, you will leave our Vestal Retirement Solutions website. Neither Vestal Retirement Solutions nor First Heartland® Consultants, Inc. are responsible for the validity, completeness or accuracy of any information provided on these sites.

 

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