Products

  • Protect Your Home and Loved Ones with Mortgage Protection. Owning a home is a significant milestone in life, but it also comes with substantial financial responsibilities. Your mortgage is likely the most significant debt you'll ever have, and ensuring that it's protected in the event of unforeseen circumstances is essential. That's where mortgage protection comes in.

  • IUL policies offer flexible premium payments and death benefits. Cash value growth potential is tied to a stock market index, providing the opportunity for market gains while protecting against downturns. The cash value growth is tax-deferred, maximizing investment growth potential over time. Death benefit protection provides financial security for beneficiaries, typically tax-free. Downside protection ensures the cash value won't decrease below a guaranteed minimum, even in poor market conditions.

    Careful consideration and consultation with financial professionals are essential before purchasing an IUL policy to ensure it aligns with individual financial goals and needs.

  • FIAs credit interest using formulas based on changes in specific indexes. The crediting method determines how much interest is credited. The rate and frequency of the credits depend upon the terms and conditions of the FIA contract.

    Annuities can be favorable option to hedge against downturns in the market, and for individuals looking for sustainable risk averse growth.

  • 10,000 people turn 65 everyday!

    Final Expense coverage is a popular way for individuals in the senior market to protect themselves and their families, especially if there are various health conditions present.

  • Our products are “Simplified Issue”.

    This means that each application are simple yes/no health questions

    No blood, no urine, no physicians. Get approved in 15 minutes.

  • From the carriers above, we find the product and carrier that best fits a clients needs.

  • Flexibility in our carries, and also flexibility in our lives. At Three River Insurance, being independently contracted we determine our own schedules, which in the long term helps us protect more clients.

  • Each Carrier specializes in something unique.

    While one carrier would put a client on a waiting period to be fully covered, we can shop around so this wouldn’t be an issue.

    Unlike captive agents, we utilize each carrier for different reasons to ensure a client can get protected right away, with no holdups in our underwriting.

Independent Capabilities