What Is Life Insurance
A life insurance policy provides financial protection for your family in the event of your death. You make a contract with the insurance company, which pays a certain amount of money to your family upon your death. Your policy may also include features that would allow you to access a portion of the death benefit if you experience a qualifying medical condition or illness.
Further Immigration Expansion And Industrialization
In the North, and an unprecedented from and supplied a surplus of labor for the country’s industrialization and transformed its culture. National infrastructure, including and , spurred economic growth and greater settlement and development of the . After the , new transcontinental made relocation easier for settlers, expanded internal trade, and increased conflicts with Native Americans. The later inventions of and the would also affect communication and urban life.
Mainland expansion also included the from in 1867. In 1893, pro-American elements in Hawaii the and formed the , which the U.S. in 1898. Puerto Rico, , and the were ceded by Spain in the same year, following the . was acquired by the United States in 1900 after the end of the . The were purchased from in 1917.
during the late 19th and early 20th centuries fostered the rise of many prominent industrialists. like , , and led the nation’s progress in the , , and industries. Banking became a major part of the economy, with playing a notable role. The American economy boomed, becoming the world’s largest. These dramatic changes were accompanied by and social unrest, which prompted the rise of along with , , and movements. This period eventually ended with the advent of the , which saw significant reforms including of consumer goods, the rise of , and greater to ensure competition and attention to worker conditions.
Fg Retirement Pro Annuity
A A unique structure that tracks two values: your Benefit Base and your account value .
F& G gives you a bonus to your account. It is added immediately to your Benefit Base and vests over 12 years in your account value.
You can choose from several options for earning interest on your Benefit Base one fixed interest option and additional options tied to a market index.
Your account value grows with a rate of interest that F& G guarantees at the outset of each contract year. A standout Breakthrough feature gives you potential for greater growth of your account value in the long term.
Any growth of your savings is tax-deferred .
You have the option of guaranteed income for life.
Youâll have full access to your account value for unexpected health care costs, namely qualifying home health or nursing home care, or in the event of terminal illness. This benefit applies to conditions that arise one year or more after the contract begins.
You may withdraw your money at any time. Withdrawals in year one, or withdrawals in year 2-12 of over 10% of your vested account value, will incur withdrawal charges.
No fees.
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Contact Us At: 8664777932 Or Salesdesk@fglifecom
1Vesting bonus percentage varies by issue state and age. See the SOU for complete details.2A.M. Best Financial Strength Rating: A- , 4th highest out of 16 ratings for financial strength. Rating as of December 2021. Financial strength rating for Fidelity & Guaranty Life Insurance Company for S& P is A-, 3rd highest out of 11 ratings for financial strength. Rating as of September 2022. Financial strength rating for Fidelity & Guaranty Life Insurance Company for Fitch is A-, 3rd highest out of 11 ratings for financial strength. Rating as of September 2022. Financial strength rating for Fidelity & Guaranty Life Insurance Company for Moodys is Baa1, 4th highest out of 9 ratings for financial strength. Rating as of November 2021.3Restrictions generally apply to uncapped index crediting strategies, i.e. a spread. In a Volatility control index, the declared index volatility percentage applies limits to both the downward and upward volatility of the index.For financial professional use only. Not for use with the general public.
F& G is the marketing name for Fidelity & Guaranty Life Insurance Company issuing insurance in the United States outside of New York. Life insurance and annuities issued by Fidelity & Guaranty Life Insurance Company, Des Moines, IA.
The provisions, riders and optional additional features of this product have limitations and restrictions, and may have additional charges.
Contracts are subject to state availability, and certain restrictions may apply.
Fg Guarantee Platinum Series Annuity
Available in 4, 5 or 7-year terms.
Your premium grows with a rate of interest that F& G guarantees at the outset for each 3-year period.
At the end of each 3-year period, you will have a choice to withdraw any amount of funds within 30 days, withdraw the full value of your account or automatically renew into a new 3-year period. If you renew, a new rate of interest will be fixed, and a new surrender charge period will begin.
The growth of your savings is tax-deferred .
On the annuity date of the contract, you have the option of turning your annuity into guaranteed payments for life.
Youâll have full access to your account for unexpected health care costs, namely qualifying nursing home care, or in the event of terminal illness. This benefit applies to conditions that arise one year or more after the contract begins.
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Cold War And Late 20th Century
After World War II, the United States financed and implemented the to help rebuild western Europe disbursements paid between 1948 and 1952 would total $13 billion . Also at this time, tensions between the United States and led to the , driven by an ideological divide between and . They dominated the military affairs of Europe, with the U.S. and its allies on one side and the Soviet Union and its allies on the other. The U.S. often opposed movements that it viewed as Soviet-sponsored, sometimes pursuing direct action for against governments. American troops fought the communist forces in the of 19501953, and the U.S. became increasingly involved in the , introducing combat forces in 1965. Their competition to achieve superior capability led to the , which culminated in the U.S. becoming the first nation to in 1969. While both countries engaged in and developed powerful , they avoided direct military conflict.
Due to the , stable monetary policy, and , the 1990s saw the in modern U.S. history. Fearing the spread of instability from the , in August 1991, President launched and led the against Iraq, expelling Iraqi forces and restoring the . Beginning in 1994, the U.S. signed the , causing trade among the U.S., Canada, and Mexico to soar.
Was Your Life Insurance Claim Wrongfully Denied By Fidelity & Guaranty Life Insurance Company
Gianelli & Morris is standing by to help you get the compensation you are owed!
The life insurance denial attorneys at Gianelli & Morris have dedicated decades of practice to helping Californians obtain the life insurance benefits they paid for. If youve been a customer of Fidelity and Guaranty Life Insurance Company, F& G, Fidelity National Financial, Fidelity & Guaranty Life Insurance Company of New York, or any other life insurance company in California, and your life insurance claim has been wrongfully denied, you are not alone. The claim denial attorneys at Gianelli & Morris are ready to help.
If your life insurance claim was denied by F& G Life, or if youve been subject to other insurance bad faith conduct by any California life insurance company, our Southern California insurance coverage denial lawyers are ready to hear from you.
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Law Enforcement And Crime
There are about 18,000 U.S. police agencies from local to federal level in the United States. Law in the United States is mainly by local police departments and ‘s offices. The provides broader services, and such as the and the have specialized duties, such as protecting , and enforcing ‘ rulings and federal laws. conduct most civil and criminal trials, and federal courts handle designated crimes and appeals from the state criminal courts.
As of 2020, the United States has an of 7 per 100,000 people. A cross-sectional analysis of the Mortality Database from 2010 showed that United States homicide rates “were 7.0 times higher than in other high-income countries, driven by a gun homicide rate that was 25.2 times higher.”
The United States has the and in the world. In 2019, the total prison population for those sentenced to more than a year is 1,430,800, corresponding to a ratio of 419 per 100,000 residents and the lowest since 1995. Some estimates place that number higher, such ‘s 2.3 million. Various states have attempted to via government policies and grassroots initiatives.
Why Consider An Fiul When Retirement Planning
Completion Risk
Taxation
With an FIUL, an amount loaned out of your life insurance policy is not treated as “paid out of the policy” and is therefore not included in taxable income, as long as your policy remains inforce.88F& G does not offer tax or legal advice. Consult a tax professional regarding your specific situation
Funding Amount
With an FIUL, you have complete freedom to choose your death benefit and the associated premium amount to build the cash value you desire on a tax-advantaged basis.
With an FIUL, your cash value can be credited with an interest rate based on increases in a market index, with protection from market index decreases.
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What Are The Features Of Our Life Insurance Products
Our fixed indexed universal life products offer lifelong flexible protection. Here’s a list of potential benefits offered, depending on the policy you choose.
Life insurance provides many solutions for you, and its an important part in creating a secure financial plan. Most important, it provides a death benefit for your family when they may need it most. Life insurance also offers additional benefits to you while youre still living.
Tax benefits such as tax-deferred growth potential on your account and insurance benefits that are generally not subject to income tax.44F& G does not offer tax or legal advice. Consult a tax professional regarding your specific situation.
You can choose from several options for earning interest on your account value: one fixed interest option and additional options tied to market indexes. All of the options have a minimum guaranteed rate.5
5The index options are linked to a market index, but you are not investing directly in the stock market or any index. We protect you from the downside risk, and you are guaranteed not to lose money due to market declines.
You have the choice of death benefit options the face amount of your policy or the face amount plus your account value. Death benefits may be taken as a lump sum or periodic payments. You may adjust the death benefits.
You may withdraw money at any time after year one.6 These withdrawals may be subject to surrender charges.7
Spouse Term Life Insurance Rider
With the Spouse Term Life Insurance Rider, you can protect your spouse with term life insurance coverage that is renewable on an annual basis. You may also convert your policy to permanent life insurance within a specific timeframe.
Coverage is available for new policies based on:
- Ages 18 to 45: $150,000
- Ages 46 and up: $50,000
Additional charges may apply, but surrender charges are exempt.
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What Protection Needs Does Life Insurance Meet
- Protect the lifestyle of your children, spouse or dependents in case of death
- Accumulate funds for education or retirement
- Gain flexibility to fund unexpected events, like critical illness or nursing home care
Life insurance is a long-term contract with an insurance company that provides a death benefit. In return, periodic premiums are paid to the insurance company. It can also be used as a means of income by the cash value feature of some types of policies.
The life insurance policys death benefit can fund dependents needs for a long time. When buying life insurance, you need to decide how much you need, how long you need it and what you can afford to pay.
Indigenous Peoples And Pre
It is generally accepted that the migrated from by way of the and arrived at least 12,000 years ago however, some evidence suggests an even earlier date of arrival. The , which appeared around 11,000 BC, is believed to represent the first wave of human settlement of the Americas. This was likely the first of three major waves of migration into North America later waves brought the ancestors of present-day , , and .
Over time, indigenous cultures in North America grew increasingly complex, and some, such as the pre-Columbian in the southeast, developed advanced , , and complex societies. The city-state of is the largest, most complex pre-Columbian in the modern-day United States. In the region, culture developed from centuries of agricultural experimentation. The , located in the southern region, was established at some point between the twelfth and fifteenth centuries. Most prominent along the Atlantic coast were the tribes, who practiced hunting and trapping, along with limited farming.
Estimating the native population of North America during European contact is difficult. of the estimated a population of 93 thousand in the and a population of 473 thousand in the Gulf states, but most academics regard this figure as too low. Anthropologist believed the populations were much higher, suggesting around 1.1 million along the shores of the , 2.2 million people living between and , 5.2 million in the and tributaries, and around 700,000 people in the .
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Prehistoric Inhabitants Of Early Des Moines
Based on archaeological evidence, the junction of the and has attracted humans for at least 7,000 years. Several prehistoric occupation areas have been identified by archaeologists in . Discovered in December 2010, the is an expansive, 7,000-year-old site found during excavations prior to construction of the new wastewater treatment plant in southeastern Des Moines. It contains well-preserved house deposits and numerous graves. More than 6,000 artifacts were found at this site. State of Iowa archaeologist John Doershuk was assisted by archaeologists at this dig.
At least three Late Prehistoric villages, dating from about AD 1300 to 1700, stood in or near what developed later as downtown Des Moines. In addition, 15 to 18 prehistoric mounds were observed in this area by early settlers. All have been destroyed during development of the city.
Civil War And Reconstruction Era
Status of the states, 1861
Irreconcilable sectional conflict regarding of Africans and ultimately . With the of Republican , conventions in eleven slave states declared and formed the , while the federal government ” rel=”nofollow”> Union”) maintained that . On April 12, 1861, the Confederacy initiated military conflict by , a federal garrison in , South Carolina. This would be the spark of the Civil War, which lasted for four years and became the deadliest military conflict in American history. The war would result in the deaths of approximately 620,000 soldiers from both sides and upwards of 50,000 civilians, almost all of them in the South.
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Relationship To The Government
The financial sector is traditionally among those to receive government support in times of widespread economic crisis. Such bailouts, however, enjoy less public support than those for other industries.
A commercial bank is what is commonly referred to as simply a bank. The term “” is used to distinguish it from an , a type of financial services entity which instead of lending money directly to a business, helps businesses raise money from other firms in the form of or .
The primary operations of commercial banks include:
The United States is the largest location for commercial banking services.
Origin Of Fort Des Moines
Des Moines traces its origins to May 1843, when Captain supervised the construction of a fort on the site where the Des Moines and Raccoon Rivers merge. Allen wanted to use the name Fort Raccoon however, the preferred Fort Des Moines. The fort was built to control the and tribes, whom the government had moved to the area from their traditional lands in eastern Iowa. The fort was abandoned in 1846 after the Sauk and Meskwaki were removed from the state and shifted to the Indian Territory.
The Sauk and Meskwaki did not fare well in Des Moines. The illegal whiskey trade, combined with the destruction of traditional lifeways, led to severe problems for their society. One newspaper reported:
“It is a fact that the location of Fort Des Moines among the Sac and Fox Indians for the last two years, had corrupted them more and lowered them deeper in the scale of vice and degradation, than all their intercourse with the whites for the ten years previous”.
After official , the Meskwaki continued to return to Des Moines until around 1857.
Archaeological excavations have shown that many fort-related features survived under what is now and First Street. Soldiers stationed at Fort Des Moines opened the first coal mines in the area, mining coal from the riverbank for the fort’s blacksmith.
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About Fidelity & Guaranty
Fidelity & Guaranty Life Insurance Company was founded in 1959. F& G began by selling traditional term life insurance policies and eventually expanded to offer annuities in 1998.
In 2020, F& G became a subsidiary of Fidelity National Financial, Inc., a Fortune 500® company that sells title insurance and settlement services in the real estate and mortgage industries. Today, F& G offers life insurance and annuity products that have protected over 700,000 people nationwide.