PB Insurance Group is an independent insurance brokerage firm that delivers custom Insurance strategies for our clients. We focus exclusively on Life, Long Term Care and Disability Insurance for Individuals and Small Businesses. 

About PB Insurance Group
I've had trouble getting a reasonable price on my term policy because of my family medical history but Jeff was able to shop the marketplace and got an incredible underwriting offer, which ended up saving me 35% per year from my previous term policy.
Jason B.
My current polices hadn't been reviewed in over a decade, and after a quick review, Jeff saw they were a mess. He showed me all the options to fix my current policy and a replacement option that gave me the same death benefit coverage for half the cost. It was an easy choice.
Susan F.
Right from the start, Jeff was been extremely patient and informative. He listened to all my questions and concerns, and then we addressed them together one at a time. This whole process has been an absolute pleasure and I'll tell anyone that will listen, if they have an insurance need, question or just want to learn more, they need to call Jeff.
Sean W
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Life Insurance

Insurance policies and strategies come in many forms and types. Whether it be a simple term policy, a complicated estate tax solution using permanent insurance, or a max funded policy designed for tax free income, it is our goal to implement and maintain your insurance portfolio to meet your fundamental needs, but also balance for a sophisticated asset and tax allocation strategy.  A well-designed life insurance strategy will not only consider the importance of death benefit protection and the tax-advantaged cash value accumulation potential of permanent life insurance, but also the role of life insurance in legacy planning and wealth preservation for multiple generations.  

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Long Term Care

Now more than ever, Long Term Care Planning should be an essential part of everyone’s retirement planning, due to increased longevity, complex family dynamics and total cost of care. The long term care market has seen a dramatic change over the last decade, as more and more data has become available, the products have evolved to continue to meet the needs of this growing and evolving market. Let us help you understand all of the different product options available to fit your needs:

  • Hybrid Long Term Care
  • Traditional Long Term Care
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Disability

Think of your financial strategy as something like a pyramid.  We save and invest with the goal of building assets for a secure future.  What many overlook is that the entire pyramid rests on a foundation; and that foundation is your income.  Your ability to earn an income is what supports the rest of your lifestyle.  Ensuring that you have the correct amount of disability coverage is paramount for every family’s financial security. 

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Strategies

Policy Review

Life Insurance policies, like all other assets need to be reviewed on a regular basis. Periodic audits and regular policy reviews should be done to avoid surprises, including policy lapses, and ensure policy efficiency. With our knowledge of past and new products, we can improve existing policy premiums, death benefits, and cash values.

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Hybrid Long Term Care

Attempts to combat concerns about traditional long-term care (LTC) insurance have resulted in combination or hybrid products using an asset-based approach to fund long-term care. These new approaches generally combine long-term care funding with life insurance or an annuity. These newer approaches have sought to eliminate a number of the perceived disadvantages of the traditional LTC, such as premium increases, finite benefit periods and the general "use it or lose it" nature of traditional LTC.

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Whole Life Basics

Whole Life is a product that has been described as expensive and never worth purchasing, couldn't be further from the truth. Whole Life, when structured properly for cash growth, can become the most flexible assets in any family's financial tool box.

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Tax Free Income

The fact is, life insurance is one of the most underutilized assets in every individual's portfolio. A properly structured, max funded cash accumulation life insurance policy, can provide tremendous flexibility during non-retirement and retirement years as a source of a tax-free income.

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Section 162 Bonus

Many owners of privately held businesses are reluctant to give away equity. The 162 Plan provides business owners with a tax-deductible plan to provide key executives with tax-free income and provide a strong retention feature as well. In lieu of stock, a business owner may wish to reward and retain their employees and provide a tax-free supplemental retirement income benefit.

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Benefits of Life Insurance @ Death

When it comes to transferring wealth, all assets are not created equal. The value of certain assets will be reduced by taxes and extra costs. In additional, many assets fluctuate unpredictably in value so it may be difficult to anticipate what they might be worth at death. Certain assets may also be subject to the costs and delays of probate or may be subject to the claims of creditors. Life Insurance is an asset that can efficiently transfer and preserve family wealth.

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Contact us

6960 Orchard Lake Road, Suite 120
West Bloomfield, MI 48322

(248) 494-8595

(248) 494-8595

jeff@pbinsgroup.com

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