Insurance Products for Individuals and Businesses

At MontRidge Insurance Services, we strive to make your life easier by proving insurance solutions that give you peace of mind. Should you have any questions about any of our services below do not hesitate to get in touch with us.

Our Services

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Annuities

Our company offers a selection of annuities to help meet your financial needs in retirement. Whether you are presently retired or retiring soon, you’ll benefit from

There are many types of annuities to help safeguard and grow your retirement savings. These include:

Fixed Annuities – This is a steady and secure approach to propagate assets at a set rate of interest with a tax rearrangement for more conventional investors.
Modified Guaranteed Annuities – This is also recognized as market value adjustment (MVA) annuities that offer tax-deferred wages including long-term, fixed-rate choices.
Fixed Indexed Annuities
Income Annuities
Lifetime Annuities

401(k) Rollover

Once you decide to retire or if you have a 401(k) at another company, you are allowed to do a 401(k) rollover into an IRA or annuity. This can guarantee your principal, provide income for life, and guarantee your rate of return.

Rollovers typically take two to six weeks depending on the processing time of your previous employer. However, if you prefer an indirect rollover, you have 60 days to deposit the money back into an IRA, and there could be a substantial tax effect. Allow us to walk you through the process.

How to Carry Out a 401(k) Rollover to IRA

Notify your former employer that you would like to do a 401(k) rollover. Make sure they make the check payable.
Open an individual retirement account (IRA).
Once the transfer is finished, your money will be placed in an interest-bearing account.

Life Insurance

A lot of individuals and their financial planners believe life insurance to be the foundation of their financial plan. Although the primary goal of life insurance is to lend a hand and take care of your family in the event of your death it can also help with the following:

Establishing an Inheritance for Your Successors
Cash Value Buildup (Non-Taxable)
Tax-Free Retirement Planning
Optional Advantages Containing Cancer Coverage
Attaining the Means to Pay Final Expenditures

Why Select MontRidge Insurance Services for Your Life Insurance?

We provide practical life cover dividends.
We compensate claims and pay them quickly.
We have an easy claims procedure.
We provide assistance that is tailored to your requirements.

We present a variety of life insurance policies including permanent life insurance and term life insurance for those who wish plan for the long haul. In addition, we offer personal insurance to help protect you and your family against accidents or other unlikely events.

Health Insurance

Today, health insurance is considered a necessity. Unexpected illnesses and hospitalizations can place a heavy financial burden on your family. With the increasing cost of medical care, things like diagnostic tests and doctor’s fees can be prohibitively expensive.

We at MontRidge Insurance Services have you and your family’s best interests in mind. This is why we offer a variety of solutions and health insurance policies that will help you protect your savings.

We have:

Well-defined policies
Transparent processes
Innovative products
Reasonable protection
Insurance products that meet your current needs

We take great pride in our customer service. Over the years, we have put a lot of our energy into building relationships with clients. We aim to maintain our clients’ trust by delivering great value and remarkable service. In addition, we offer competitive rates because we keep operating costs to a minimum.

Disability Insurance

As we get older, the risk of becoming physical challenged increases. Disability insurance helps protect against this possibility. It is also a valuable and useful addition to your employees’ benefits package.

Disability insurance provides a source of income to people who cannot work due to physical challenges. It protects the policyholder’s earned pay from the moment that an ailment or injury prevents them from performing their work responsibilities.

Individual disability insurance policies usually require that the recipient is healthy enough to be accepted for coverage. Most of the people who purchase this either uses it to supplement a group plan or provide additional coverage if a group disability insurance is unavailable.

MontRidge Insurance Services also offers flexible long- and short-term disability group plans. We provide you with insurance solutions that can be personalized to meet the needs of you and your staff.

Business Insurance

You’ve worked hard to build and grow your business—devoting labor, money, and time into forming your company into what it is today. However, a single lawsuit and associated losses can undo all of your hard work.

At MontRidge Insurance Services, we offer insurance solutions that protect your company from the risks of doing business. We serve companies in a variety of industries. Reach out to us today to get a quote on a policy that meets your coverage requirements.

Long-Term Care Insurance

You might not be thinking about it now, but you may need help taking care of yourself when you get older. Long-term care costs, when paid for out of pocket, are very high.

You can prepare for this financial risk by opting for long-term care insurance. It provides you with a safety net in case you are unable to care for yourself due to aging or an associated health condition. Long-term care insurance helps you and your family face the future with certainty.

Long-term care coverage from MontRidge Insurance Services can help ensure that you are financially prepared for the increasing cost of long-term care. Also, having a long-term care policy ensures that your loved ones don’t have to pay for your care expenses and that your assets are preserved.

Final Expense Insurance

Most people don’t like to consider the need to prepare for their funerals, but planning for the cost of these services is a significant part of individual estate planning. Final expense insurance is designed to provide your loved ones with the financial means to pay end-of-life expenses.

MontRidge Insurance Services’ plans are delivered quickly with shortened underwriting so that you can easily pay for the final expenses of a loved one when you need to. We don’t require medical assessments. Our underwriting is minimal, and our application can be finished by answering a few health-related questions over the phone.

With our final expense insurance policy, you can have the peace of mind that comes with knowing that your family won’t have to pay for funeral costs. Everything—from the cost of the funeral to hospital charges and probate lawyer fees—will be covered.