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Protection for Each Stage of Life


 

Living on your own?

Do you have the adequate protection in case of the unexpected? Are you putting money aside and paying yourself first?

Whether you've just graduated from college or recently took steps towards independence by getting a full-time job, these changes require proper financial and insurance planning.

As someone living alone, you may be wondering whether you need life insurance coverage. One thing to consider is the fact that being younger may help you to get a lower premium. It is to your advantage to get your policy as early as you can.

Term life insurance may be a good way to start. It offers low premiums, plus you can convert the coverage to a permanent plan such as whole life or universal life once you have more income to support your plan.

In addition many term insurance* policies today offer a terminal illness feature that allows you to access a portion of the death benefit while living if diagnosed with a terminal condition.

Disability income insurance is also a consideration in the event you're unable to work for a length of time due to illness or injury. Your ability to work and support yourself is likely your most valuable asset at this stage of your life, and protecting it with disability insurance is a wise move to protect your financial security.

In addition we will help you implement a disciplined approach to savings and provide constant follow-ups with you to make certain you are implementing your plan to achieve your financial objectives.

Contact us today and let our advisors educate you on the products provided by The Ohio National Life Insurance Company that can protect you and your family throughout your life.

* Term life premiums are typically based on the age of the insured at nearest birthday and specified underwriting classification and are subject to change without notice. The product features, benefits, and limitations associated with a particular term life insurance or disability income insurance policy will vary from product to product and also from state to state.

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Getting Married?

Congratulations! As you enter a new phase of your life with your partner, what are you doing to prepare for your financial future? Often times we see clients spending more time on honeymoon planning than taking the time to prepare a financial road map for their new lives together.  The subject of money is often the leading cause of divorce. We help educate our newly engaged or married couples on effective ways to communicate about finances and put in place a plan that helps them achieve their financial objectives and protect their future from the unexpected.

You may not have accumulated much money at this point in your life, so term life insurance products might be your best value. In simple terms, having term life insurance guarantees, for that certain term of 10, 15 or 20 years, that in the event of the insured's death, a death benefit will be paid to the insured’s beneficiaries.

Or, you may want to consider permanent insurance such as whole life insurance or universal life insurance. In addition to providing a death benefit, these insurance products also provide features allowing the cash value of the policy to be accessed for various financial needs such as college tuition, a down payment on a home, business opportunities and more.

Disability income insurance is also a consideration in the event you're unable to work for a length of time due to illness or injury.

Whatever your financial needs or goals, let our advisors help you develop a strategy utilizing the products available from The Ohio National Life Insurance Company to help provide the solutions that can protect you and your family through every stage of your life.

* The product features, benefits, and limitations associated with a particular insurance policy will vary from product to product and also from state to state. Guarantees are based on the claims-paying ability of the issuing insurance company. Premiums are based on the age of the insured at nearest birthday and specified underwriting classification and are subject to change without notice. Guarantees that term life premiums will remain level apply only to the stated term of the policy. Withdrawals And loans from life insurance policies will reduce the death benefit and cash surrender value. In addition, withdrawals may incur substantial charges and tax penalties. Certain policy loans may result in currently taxable income and tax penalties. Withdrawals and loans from a universal life insurance policy may cause loss of the no lapse guarantee.

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Buying a home?

Congratulations on your impending or recent purchase. While many consider a home their largest asset, it often times is their largest liability when considering the primary mortgage and home equity lines of credit if applicable. As a homeowner you have likely received many offers for mortgage protection insurance and more time than not these programs are expensive and do not provide the flexibility of purchasing a product specific to your situation and health.

Whatever your financial needs or goals, let our advisors design a plan utilizing products from The Ohio National Life Insurance Company that can help protect you and your family throughout your life and in the event of your premature or untimely death. Term life insurance may be the better fit for you and The Ohio National Life Insurance Company has industry leading low rates.

* Insurance policy guarantees are based on the claims-paying ability of the issuing insurance company. Term life premiums are based on the age of the insured at nearest birthday and specified underwriting classification and are subject to change without notice. Guarantees of level term life premiums apply only to the stated term of the policy.

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Having a baby?

What can you do to protect your expanding family?

Congratulations, your family is growing with the arrival of its newest member! Someone else is now dependent on you to provide all of life's necessities. To help protect your growing family, you might want to consider:

* Participating Whole Life Insurance - Offers permanent protection to help family remain  financially secure if you are not there.

* Term Life Insurance – Offers protection for a fixed period of time and can be ideal for those concerned about protecting  mortgage payoffs, college funding or income replacement in the event of an untimely death of a parent.

* Disability Income Insurance - Helps provide financial protection in case you are injured and cannot work for a period of time.

At Campbell Financial Group, our advisors will work with you to clearly explain the various types of insurance as well as calculating the right amount to purchase with your budget.

Do you have a child with a special need?

As a parent of a special needs child, you are well aware of the financial and medical support your child will need not just today but  throughout their lives. You need a firm who is experienced in this specialized area of planning and our advisors will assist you and coordinate our services with your legal and tax professionals or we can provide referrals. How can you provide continued financial and medical support for your special needs child if you are gone?

An appropriately designed special needs trust combined with a life insurance strategy can offer many powerful benefits to a special needs child including:

  • Providing for adequate lifetime care and assistance
  • Maintaining your child's eligibility for government benefits such as Medicaid and Social Security
  • Appointing someone to manage your child's finances
  • Protecting family harmony

Life insurance can offer a cost-effective alternative for funding a special needs trust. To ensure that the trust is adequately funded, you'll need to estimate how much income your child is likely to need over the course of his or her lifetime.

Whatever your financial needs or goals, let the advisors at Campbell Financial Group work with you and your other professional advisors to put together an effective solution to fit your budget.

* The product features, benefits, and limitations associated with a particular insurance policy will vary from product to product and also from state to state. Guarantees are based on the claims-paying ability of the issuing insurance company. Participating life insurance policies may pay dividends to policyholders. Dividends can be used to purchase additional coverage, reduce the premium, pay back loans or may be received in cash. Dividends are not guaranteed. Premiums are based on the age of the insured at nearest birthday and specified underwriting classification and are subject to change without notice. Guarantees of level term life premiums apply only to the stated term of the policy. The information provided should not be construed as specific legal advice or the law of any particular state. if you are the parent of a special needs child, you should seek the advice of a qualified legal professional for your specific situation.

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Having a Child with Special Needs

Can you provide long-term financial support for your child with special needs if you pass away?

If your child or loved one has special needs, you are facing several challenges including care-giving duties and the cost of providing medical treatment. In many cases, the special needs will continue for their lifetime. Preparing for the day when you won't be around is a challenge that all parents face. As a parent of a child with special needs, your estate planning needs are especially complex.

A special needs trust combined with a life insurance strategy offers many powerful benefits to a special needs child including:

Providing for adequate lifetime care and assistance

Maintaining your child's eligibility for government benefits such as Medicaid and Social Security

Appointing someone to manage your child's finances

Protecting family harmony

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Are you changing jobs?

As you begin a new job, what should you do with the money you have already invested with your previous employer's retirement plan?

You may be able to transfer your 401(k) funds into your new employer's benefit package or rollover the money into an Individual Retirement Account (IRA) or an individual variable or fixed annuity.

You might also be able to leave the money in your former employer's plan. There are different tax options to factor into your decision. Let the advisors at Campbell Financial Group help you and your tax and legal advisors determine which is the right one for you.

* The product features, benefits, and limitations associated with a particular annuity will vary from product to product and also from state to state. Guarantees are based upon the claims-paying ability of the issuing insurance company. Guarantees do not apply to the investment performance or account value of the underlying variable portfolios. Variable products are sold only by prospectuses, which can be obtained through your registered representative. Before investing, investors should read and consider carefully the product and any underlying fund prospectuses, which contain more complete information about investment strategies, fees, charges, risk factors and other factors that may apply. As with any investment, investing in variable portfolios involves risk, including possible loss of principal. past performance is no guarantee of future results.

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Have you begun planning for your child’s college education expenses?

Have you started, but not sure if your current strategy is working? Have you ever wondered what would happen if your child was fortunate enough to obtain a scholarship?

Variable products may be a good option for investing in your child's future. Variable life insurance products and variable annuities may allow your money to grow without being currently eaten by taxes. Your accumulated value will grow based on the performance of the portfolio options you select.

Securities, such as mutual funds and Section 529 plans, are also investment tools you could utilize to save for college expenses.

Other strategies such as Participating Whole Life Insurance offer tax deferred cash value accumulation, and cash value may be withdrawn tax-free up to your cost basis.  In addition, the cash values are not included in the calculation for Federal Student Aid (Click here for more information).

Whatever your financial needs or goals.let the advisors at Campbell Financial Group help you determine which strategy is right for you.

* The product features, benefits, and limitations associated with a particular insurance policy will vary from product to product and also from state to state. Guarantees are based on the claims-paying ability of the isuing insurance company. Mutual funds, variable life insurance policies, variable annuities, and registered products are sold only by prospectuses, which can be obtained through your registered representative. Before investing, investors should read and consider carefully the fund or product prospectus and, where applicable, any underlying fund prospectuses. The prospectuses contain more complete information about investment strategies, fees, charges, risk factors and other factors that may apply. As with any investment, investing in mutual funds and variable portfolios involves risk, including possible loss of principal. Past performance is no guarantee of future results. For variable life insurance policies, both the return and the principal value of the underlying portfolios will fluctuate, and the portfolios may be worth more or less that their original values when redeemed. If the performance of the portfolio options is less than anticipated, the death benefit may be reduced, the policy may lapse and/or the policyholder may be required to pay premium above the planned premium to keep the policy in force. Withdrawals and loans from life insurance policies will reduce the death benefit and cash surrender value. In addition, withdrawals may incur substantial charges and tax penalties. Withdrawals and loans may cause loss of the no lapse guarantee, if one is provided for in the policy. If tax-free loans are taken and the policy lapses, a taxable event may occur. Participating whole life insurance policies may pay dividends to policyholders. Dividends can be used to purchase additional coverage, reduce premiums, pay back loans or may be received in cash.Dividends are not guaranteed.

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Are you going through a Divorce?  

You remember the vows; “For better or worse, in sickness and in health”, yet the reality is that the divorce rate is ever-increasing in our society. Whether you are the Plaintiff or Defendant in divorce proceedings, one thing is clear: this unexpected life change will impact your insurance needs.  You need a firm experienced in handling these issues, and at Campbell Financial Group we do not just talk the talk; we walk the walk. Whether you need advice on selecting the proper beneficiary, have questions on policy ownership or have been ordered to maintain adequate levels of life and/or health insurance, please contact us and we will assist you.

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Are you about to become a grandparent?

Congratulations to you during this exciting time.

What financial protection can you give to your family's next generation?

Now is a great time to consider the following:

  1. Leaving a legacy for your loved ones.
  2. Making sure your child has adequate life insurance coverage.
  3. Building funds for tuition expenses.

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Leaving a legacy

You may decide to provide a legacy to your grandchild by naming him or her as beneficiary of a life insurance policy covering your life. In such a situation, you need to be aware that the IRS imposes a "generation skipping transfer tax" on certain transfers to grandchildren. You should consult with a tax specialist to avoid the pitfalls of this tax.

You might be in a financial position to help protect, grow and manage wealth for your children, grandchildren (and perhaps beyond). By combining permanent life insurance with a trust, you can create a multi-generational wealth management plan.

With help from an attorney, you create an irrevocable trust, select your beneficiaries, and fund it with assets. This so-called "generation skipping" trust is designed to exist for multiple generations with the goal of providing financial stability for your children and grandchildren. The trust assets can be used to provide cash for education expenses, purchase of a home, start-up costs for a business or any other reason you desire.

Provided you qualify for coverage, permanent life insurance is typically a favored funding asset for such a trust. Life insurance is well suited because of its income tax-free death benefit, access to policy cash values on a tax advantaged basis, and affordability based on insurability. We have access to a variety of permanent life insurance products to help you pass a financial legacy to your heirs.

Whatever your financial needs or goals let the advisors at Campbell Financial Group help you determine which strategy is right for you.

What should you do with a large amount of money, whether it's through an inheritance, lottery winnings or a legal settlement?

If you have just received an inheritance, this might be a good opportunity to begin your own estate planning.

Properly structured, a life insurance policy can help you pass on your estate to your loved ones without heavy estate taxes depleting your estate.

To watch your money potentially grow further, consider universal life or variable annuities, which are tax-deferred. Another option could be equity products, designed to build your wealth over an extended period of time.

Take advantage of this exciting time in your life and work with the advisors at Campbell Financial Group to devise a strategy that will make the money last vs. buying that boat, second home or engaging in a lifestyle that likely is not sustainable.

* The product features, benefits, and limitations associated with a particular insurance product will vary from product to product and also from state to state. Insurance product guarantees are based upon the claims-paying ability of the issuing insurance company. Variable products are sold only by prospectuses, which can be obtained through your registered representative. Before investing, investors should read and consider carefully the product and any underlying fund prospectuses, which contain more complete information about investment strategies, fees, charges, risk factors and other factors that may apply. As with any investment, investing in variable portfolios involves risk, including possible loss of principal. past performance is no guarantee of future results. Campbell Financial Group does not provide legal, accounting or tax advice, but we do coordinate our services and work together with our clients' professional advisors.

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Own your own business?

At Campbell Financial Group, our advisors are all independent business owners and we understand the various challenges you face.

Becoming your own boss is both rewarding and equally challenging, and of course you want to attract and retain the best employees.

We offer a variety of group retirement and business insurance plans so you can provide your valuable employees with the quality benefits they expect.

We can also help with a business succession plan so you can successfully hand over control of your business to your partner or the next generation in your family.

You should also consider purchasing life insurance or disability income insurance so your heirs and/or partners do not have to endure costly overhead expenses due to an untimely injury or death.

Whatever your financial needs or goals, let the advisors at Campbell Financial Group help you determine which strategy is right for you. Solutions for business owners from fellow business owners; Campbell Financial Group.

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Job Loss

It’s Friday afternoon and the boss wants to see you. Perhaps it is a meeting to review the latest project, or have a friendly discussion on weekend plans. However, what if it was a meeting where you were handed a pink slip and told that your services are no longer needed? While this bad news will likely put you into a state of shock and disbelief, it is important to not act out of emotion, but instead reason. That is why you need to pick up the phone and call us.

At Campbell Financial Group, we will help guide you through this transition by reviewing your 401(k) options, health insurance needs and life insurance benefits. With the ever-rising cost of medical care, the issue of health insurance is bigger than ever and you need an experienced firm that can help you with the viable options.

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Disability

You’re on the train commuting to the office. While reading the paper, you come across news of a prominent member of the community who was involved in a serious car accident. While all signs point that this person will survive, the conclusion that he will surely be disabled is very sad news. It is interesting that after years of working with prospects and clients we hear two main themes over and over. The first is that disability will surely never happen to them, and the second is someone will take care of them if it does. The reality, however, is far from the perception and you need a firm who can offer will you viable options based on your budget to protect your income.

The advisors at Campbell Financial group are ready to help you create a plan to protect you and your family from the financial fallout of the unexpected.

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Insurance and annuity products, which vary by state, are issued by The Ohio National Life Insurance Company and Ohio National Life Assurance Corporation. Issuers not licensed to conduct business and products not distributed in AK, HI or NY. Insurance and annuity product guarantees are based on the claims-paying ability of the issuing insurance company.

Registered products (including variable annuities) are sold by prospectuses, which can be obtained through your registered representative. Before investing, investors should read and consider carefully the product and any underlying fund prospectuses, which contain more complete information about investment strategies, fees, charges, risk factors and other factors that may apply. As with any investment, investing in variable portfolios involves risk, including possible loss of principal. Past performance is no guarantee of future results.



Securities offered through The O.N. Equity Sales Company, Member FINRA /SIPC , One Financial Way, Cincinnati, Ohio 45242 513-794-6794. Investment advisory services offered through O.N. Investment Management Company. Keith Campbell is life and health insurance licensed in DE,NJ,and PA and securities licensed in DE, NJ, and PA. Campbell Financial Group, LLC is independent of The O.N. Equity Sales Company, O.N. Investment Management Company and The Ohio National Life Insurance Company.