Protecting Your Future, Ensuring Your Legacy
Protect what matters most with annutiy planning, whole life, term life, universal life insurance, and risk management options tailored to your needs and goals.
ABOUT US
The Newton Group Agency
With over 20 years of combined experience what sets us apart is our unwavering commitment to customization tailored to what you want to achieve. Whether you’re looking to protect your family, grow your wealth, or secure a guaranteed income for retirement, we’re here to guide you every step of the way. We don't believe in one-size-fits-all solutions. Instead, we take the time to get to know you. We’re here to guide you every step of the way and create solutions that align with your goals.
OUR COMMITTMENT & SERVICES
The Newton Group offers a comprehensive suite of products that are geared toward asset protection, risk management, cash accumulation, growth, and estate planning. We are dedicated to providing trusted, reliable, and personalized solutions to protect what matters most—your family, your future, and your peace of mind. Our range of services includes:
Life Insurance
Whole Life Insurance (Lifelong Coverage & Cash Value)
Provides lifetime coverage with guaranteed premiums, death benefits, and cash value accumulation.
Term Life Insurance (Affordable & Temporary Coverage)
Provides coverage for a fixed period (e.g., 10, 20, or 30 years).
Universal Life Insurance (UL) (Flexible & Permanent)
A flexible permanent policy that allows adjustments to premium payments and death benefits.
Indexed Universal Life (IUL) (Market-Linked Growth)
A type of Universal Life Insurance where cash value growth is tied to a stock market index (e.g., S&P 500).
Final Expense Insurance (Burial Insurance)
A small whole life policy designed to cover funeral and end-of-life expenses.
Annuity
Fixed Annuities – Guaranteed Growth & Stability
Fixed annuities offer a predictable, fixed interest rate and guaranteed payments, making them a safe choice for conservative investors seeking stable, risk-free income.
Variable Annuities – Market-Linked Growth Potential
With variable annuities, your funds are invested in mutual fund-like subaccounts, allowing for higher returns but also exposure to market risk. Best for those comfortable with investment fluctuations.
Indexed Annuities – Growth with Downside Protection
Indexed annuities tie your returns to a stock market index (like the S&P 500), offering growth potential while protecting against losses with a guaranteed minimum return.
Immediate Annuities – Income Starts Right Away
Designed for those who need instant income, immediate annuities start paying out shortly after a lump sum investment, ensuring a steady cash flow for life or a fixed period.
Health Insurance
Individual & Family Health Insurance
Medical expenses for individuals and families
Employer-Sponsored Group Health Insurance
Health coverage for employees
Short-Term Health Insurance
Temporary coverage for unexpected medical needs
Critical Illness & Supplemental Health Insurance
Lump-sum payments or additional benefits for specific illnesses
Dental & Vision Insurance
Routine and emergency dental/vision care
Medicare Advantage & Supplements
Health coverage for seniors (65+) and certain disabled individuals.
Medicare Advantage (Part C) – Private insurance alternative to Original Medicare.
Medicare Supplement (Medigap) – Helps cover out-of-pocket costs from Original Medicare.
Medicare Part D – Prescription drug coverage.
FAQS
What is life insurance?
Life insurance is a financial safety net that provides a tax-free payout to your beneficiaries in the event of your passing, helping cover expenses like funeral costs, debts, and income replacement.
How much life insurance do I need?
It depends on your income, debts, future expenses, and your family’s needs. A common rule of thumb is 10-15 times your annual salary.
Is life insurance taxable?
No, life insurance payouts are generally tax-free to beneficiaries. However, policies with cash value growth may have tax implications.
How safe are annuities?
Annuities are backed by insurance companies, not the FDIC, but state guaranty associations offer some protection. Choosing a financially strong insurer is key.
What happens to my annuity if I pass away?
If your annuity includes a death benefit, remaining funds can be passed to beneficiaries. Otherwise, payments may stop unless you have selected a joint-life or survivor benefit.
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