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(256) 298-1380

Michael@sandersfinancial.co

(256) 787-5266

www.sandersfinancial.co

419 Peach Ave

Albertville AL 35950

Why Sanders Financial Group?

HELPING HEALTHCARE PROFESSIONALS SECURE THEIR FUTURES

You’re Dedicated To Your Patients. We’re Dedicated To Your Financial Future.

THREE BASIC TYPES OF LIFE INSURANCE

TERM LIFE

Provides guaranteed coverage for a specific period of time or until a certain age, as long as you pay the premiums. You can usually renew a term life policy when it expires, although premiums will likely go up. It provides a death benefit if you pass away during the time period you have the policy, but you do not build a cash value.

INDEXED UNIVERSAL LIFE (IUL")

Indexed universal life, or IUL, is a type of life insurance policy that provides both a death benefit, living benefits, and cash value. The funds that are within the policy’s cash value differ from those in a whole life insurance policy, or even from a regular universal life insurance policy because the return with an IUL policy is tracked based on the performance of an underlying market index. One of the more popular index options is the S&P 500.

WHOLE LIFE

Remains in effect throughout your lifetime as long as you pay the premiums. Also known as “permanent” insurance. You can choose to save for the future on a tax-deferred basis. This is known as “cash value.” The premiums stay the same over the life of the policy. When you pass away, it pays your beneficiaries the death benefit, minus any outstanding loans.

HOW AN INDEXED UNIVERSAL LIFE INSURANCE POLICY CAN HELP YOU ACCOMPLISH MULTIPLE GOALS:

When applying for federal financial aid, cash value in a life insurance policy is not considered an asset and will not count against you – unlike a savings account.

The cash value in a permanent life insurance policy accumulates tax-deferred, allowing you to save more.

There are no restrictions on the use of the cash value. If the policy is sufficiently funded, the cash value can help with multiple goals. If plans change, it can be used as a source of retirement income or any other need.

Many types of life insurance protect you from market volatility.

You can access the death benefit early should you experience a qualifying illness or injury. This is accomplished using accelerated benefits riders. Should you pass away, the death benefit can complete your college saving plans.

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Financial Wellness

An Experienced Case Analyst and Case Advisor Working Personally With You throughout The Process

Personalized Options to Fit Your Exact Financial Needs.

Custom Plans Tailored For You.

We focus on providing the information you need, using plain language and hands-on “know how” that protects your financial journey.

HELPING HEALTHCARE PROFESSIONALS SECURE THEIR FUTURES

You’re dedicated to your patients. We’re dedicated to your financial future. We can help you plan for the moments that matter most in life.

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WHAT CLIENT SAY?

Satisfied Clients

PROFESSIONAL, FRIENDLY AND VERY HELPFUL. THEY GOT MULTIPLE 401K'S I HAD FROM PREVIOUS EMPLOYERS ROLLED OVER INTO ONE WITH NO STRESS. THEY MADE THE PROCESS SO EASY! I WOULD RECOMMEND THEM TO ANYONE!

DARLENE TUCKER

THESE GUYS ARE GREAT!! EASY TO WORK WITH AND EXTREMELY INFORMATIVE. NO QUESTION WAS "TOO DUMB" OR UNANSWERED. YOU TRULY FEEL THAT THEY CARE!! AND IT SHOWS IN THEIR APPROACH AND HOW THEY WANT TO HELP IN ANY WAY!! GOOD DOWN TO EARTH GUYS!!

ROOSEVELT RO OLIVER

I DON'T THINK I HAVE EVER HAD AN EASIER TRANSACTION. I'VE BEEN CONCERNED WITH MY 401(K) FOR THE LAST 2 YEARS AND REALLY WASN'T SURE WHAT THE BEST INVESTMENT OF MY MONEY WOULD BE. STARTING SOMETHING NEW IN A CAREER IS ALWAYS A CHALLENGE. I KNEW I WANTED TO INVEST IN MYSELF BUT I JUST DIDN'T TAKE TIME TO ANSWER NO MATTER HOW SILLY OR HOW MANY TIMES I ASK. I CAN'T SAY ENOUGH HOW HAPPY I AM THAT I WAS ABLE TO WORK WITH THESE GUYS! IF YOU ARE LOST OR JUST WANT TO SEE IF THERE ARE INVESTMENT OPTIONS THAT SUIT YOU, CALL THEM!!

LYND Sl EUBANKS FLANAGAN

MY EXPERIENCE WITH THESE GUYS WAS PHENOMENAL! THEY WENT ABOVE AND BEYOND TO HELP ME GET MY MOM FINAL EXPENSE COVERAGE, EVEN WHEN WE RAN INTO ROADBLOCKS IN THE PROCESS THEY KEPT WORKING UNTIL THEY GOT HER COVERED! BEYOND THANKFUL FOR MICHAEL SANDERS AND HIS HELP! HIGHLY RECOMMEND!

LAUREN PONDER

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