Select Benefits
"Working together to build your future"
Personalized Services
Berkshire Hathaway HomeServices Select Properties understands the demands on your time and energy, and ho you are focused on serving your customers real estate needs are you row your business We too are focused on our customers, and offer a personalized approach to helping you meet your growth and protection needs. Together, with a Smith Moore and Company Financial Services Representative who will listen to your goals and help you assess your current financial situation, you can develop strategies to help you meet your needs using insurance and financial service products. This frees you to focus on your business and its success.
Some of the services and products available through Smith Moore and Company include:
Services Available
Personalized consultation
Review existing coverages
Education funding strategies
Retirement funding strategies
Estate preservation strategies
Availability to meet with you as your needs
Products Available
change Disability Income Insurance
Long-term care insurance
Life insurance
Annuities
Investments
*Health insurance products offered by unaffiliated insurers*
Health Insurance*
You can apply for a health insurance policy at any time. You (and any eligible dependents you want to add to your policy) must meet medical underwriting guidelines, and will have to complete a medical application, which may include medical questions, and you may be required to undergo a physical examination to be considered for coverage. Coverage is available through nation and local carriers. Policy options, premiums and benefits can vary by carrier and location
Disbaility Income Insurance
You have protected your other assets, but have you protected the asset that makes the other assets possible? Long-term disability income coverage provides benefits in the event you get sick or hurt and are unable to work. Because you pay the premium with after-tax dollars, the benefits are generally income tax-free, and may continue until you return to work or until age 65 Discounts may be available The cost of long-term disability policy depends on the product features you choose; your age, gender, health status, profession, and for some long-term disability carriers, your employment and commission history
Long-Term Care Insurance
The cost of custodial care, whether provided at home, an assisted living facility, or a nursing home may not be covered by many medical insurance policies or by Medicare You have access to long-term care policies You choose the coverage and payment options that work best for you. Based on your age, all or part of the cost of your health insurance premiums is tax deductible.
Certain discounts may be available to qualified applicants depending on coverage selected
Life Insurance
Life Insurance is essential to your financial strategy. Whether you are just starting out or have an established career, you have access to variety of individual life insurance policies. Plus, with the assistance of experienced financial professionals, you can carefully evaluate your options and choose a policy and amount tailored for your needs.
Retirement Strategies
Our preferred financial professional will help you develop a personalized retirement strategy. The process starts with a noobligation review of your current financial situation, which helps to develop a personalized strategy to meet your needs and goals. You have access to a number of retirement savings and investment options to help you achieve those goals.
Retirement Strategies Options
Owner-Only 401(K), a 401(K)-type plan for sales professionals. This can be deducted automatically from your commission checks
Simplified Employee Pension (SEP) plans with access to separate accounts through well-known companies., This can be deducted automatically from your commission checks.
Rollovers from an IRA/401(K) or other qualified tax-deferred savings plan* Annuities
Contact Your Local Insurance and Financial Services Professional
If you are interested in learning more, please contact our preferred representative
Owners of Berkshire Hathaway HomeServices Select Properties are clients of Smith Moore and Company They are not compensated for their endorsement of Smith Moore and Company Berkshire Hathaway HomeServices Select Properties is not a subsidiary or affiliate of RBC Clearing and Custody or its affiliated companies
