Secured First Financial is an independent insurance broker. We service Salt Lake City, Utah and surrounding areas. Our goal is to find the best top rated companies, options, and pricing available for you. We conduct in home or virtual meetings for your convenience. We look forward to helping you!
We know that as your family and assets grow so does your risk. This is why we offer mortgage protection solutions that pay off your home in the event of your death. Our life insurance solutions can provide money to your family to cover any debts, funeral, money for college for your children, and even replace income that will be lost to your family in the event of your death. When it comes to retirement, we offer retirement solutions such as annuities that guarantee your premiums and interest against loss due to market declines but still offer the potential of crediting intersted based in-part on a market index.(1)
We offer many different types of life insurance:
Our solutions for mortgage protection may provide the following benefits:
We offer the following types of Annuities:
When it comes to retirement, we focus on retirement solutions such as annuities that guarantee your premiums and interest against loss due to market declines but still offer the potential of crediting intersted based in-part on a market index.(1)
1 - Assuming no withdrawals during the withdrawal charge period. Rider charges continue to be deducted regardless of whether interest is credited. Unlike traditional fixed annuities, the policy owner of a fixed indexed annuity may receive zero interest for a single period on a specific premium payment if the index performs poorly. However, with most designs, the premiums are protected and guaranteed to grow over time, and the owner of a fixed indexed annuity may experience better interest crediting than a traditional fixed annuity during periods when the market performs well. Indexed annuities do not directly participate in any stock or equity investments. An investment cannot be made directly into an index. Most FIAs permit owners to participate in only a stated percentage of an increase in an index, and also impose a "cap rate" that represents the maximum annual account value percentage increase allowed to contract owners. Annuities have surrender charges that are assessed during the early years of the contract if the contract owner surrenders the annuity. In addition, withdraws prior to age 59 1/2 may be subject to a 10% Federal Tax Penalty. The guarantees of annuity contracts are contingent on the claims-paying ability of the issuing insurance company. Back to previous section
2. Living benefits are provided by no additional premium accelerated benefit riders. Payment of Accelerated Benefits will reduce the Cash Value and Death Benefit otherwise payable under the policy. Receipt of Accelerated Benefits may be a taxable event, may affect your eligibility for public assistance programs, and may reduce or eliminate other policy and rider benefits. Please consult your personal tax advisor to determine the tax status of any benefits paid under this rider and with social service agencies concerning how receipt of such a payment will affect you.