Life Insurance

A life-changing event like a marriage or the birth of a child often prompts newlyweds or new parents to review their life insurance needs. Life events and your age shape your life insurance needs throughout your lifetime. Although no one wants to think about the hardships the loss of a spouse or parent can cause, life insurance eases the financial burden and helps survivors with financial security when needed most.

Whether you' re newly married and are both employed, a single parent with three children, a family with one parent in the workplace and one at home, or parents of children who are leaving home, life insurance is a key element in your personal financial strategies. We assist our clients through this decision-making process, asking and helping to determine the answer to the hard questions. For we know that your life insurance needs will change throughout your lifetime and the best time to acquire life insurance is before you need it.

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Medicare Supplement Plans

A well-chosen Medicare supplement plan spans the gaps between Medicare benefits and complete healthcare coverage. There are many plans on the market and each one has some attractive features. As our clients approach an age where they' re eligible for Medicare benefits, we share our latest research on available plans with them. Our evaluations cut through the clutter and fine print, so clients can more easily see which plans are the best fit for their medical needs not covered by Medicare.

The details of choosing supplemental medical coverage and prescription drug benefits can be overwhelming. The research we do may give you more time to engage in other things.

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Medical, Disability & Long Term Care

If you currently have medical insurance through your employer, are you well covered? Does your spouse have a different type of medical insurance plan through another employer? Which employer' s plan is best for your family? Do you have all of the coverage you need?

Are you currently without medical coverage, or about to lose your current coverage? It' s important to have continuity of coverage so you remain covered for pre-existing medical conditions whenever changing medical insurance policies.

We' re able to read the fine print in your current medical insurance policies, decipher the policy provisions and explain those details in straightforward language. If you' re facing a situation, such as losing a job, where you' re facing changes in your coverage, we' ll assist you with information on issues such as COBRA and finding new resources for coverage.

Finding the right medical insurance is challenging but not impossible. Our expertise in the insurance industry will ease the process for you and your family.

Disability Insurance
So many of us take our health and safety for granted. We give little thought to how we would continue to pay for our living expenses if illness or an extensive injury curtailed our ability to work and earn income. Disability coverage assists by providing income when injury or illness prevents you from working for the short term or for a longer period of time. Disability plans provide a percentage of the lost income for the period of disability, after a pre-selected waiting period.

If you have disability coverage as part of your employment benefits package, the policy will provide you with a percentage of your salary if you are disabled. If this is a company provided benefit, then the income payable will be subject to normal income tax.

You may wish to think about additional disability coverage as a means of offsetting some of this tax. We know how to build strong disability insurance plans into your personal financial planning. So if the unthinkable happens, you have the security you need to keep your family afloat.

Long Term Care Insurance
There comes a time where purchasing a Long Term Care Insurance policy makes a lot of sense. Most of us are living longer and healthier lives. For some, poor health as we age translates into the need for elder care. Long term Care Insurance kicks in, providing benefits that pay for in-home or assisted living care without depleting your assets.

Few of us give a great deal of thought to the expenses associated with long-term care. For many families, just a few years in assisted living can deplete the family' s resources. Consider what a decade or two of assisted living expenses can be.

We spend significant time talking with our clients about their post-retirement plans, because for most people this is two or three decades of life. With detailed planning and assistance, and good decisions, our clients will be able to meet life on their terms.

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Financial Services

Securian Financial Services, Inc. (Securian) is a registered investment advisor and securities broker-dealer offering a range of financial services and investment instruments, including investment advice, securities and insurance products, to the individuals, businesses and other organizations that we serve.

Jade Osborne and Bobbi Brumsey are Registered Representatives and Investment Advisor Representatives affiliated with Securian Financial Services, Inc.

Securities and investment advisory services are offered through Securian Financial Services, Inc., member of FINRA/SIPC.

Osborne-Brumsey & Associates, Inc. is independently owned and operated.

We provide investment advisory services to individuals, businesses, trusts and estates, charitable organizations and pension and profit sharing plans. Our advisory clients may also be our brokerage services customers, and our brokerage clients are not necessarily advisory clients.

Depending upon your needs and the service you select, we typically emphasize the development of an overall investment strategy that is carefully tailored to your needs and objectives. Our emphasis is on providing the investment advice that fits you, the investor.

We offer the following categories of investment services:

• Financial and Business Services - We prepare recommended financial programs for individuals that encompass investments, insurance coverages and retirement benefits. These financial programs are based upon an analysis of your financial circumstances and objectives. Our business services include analysis and strategies for succession strategies, qualified and nonqualified benefits and group benefits.
• Investment Services - We provide asset allocation services directly to you, using investment strategies to allocate your assets through some or all of these options:
  • Several mutual funds
  • Variable Product Insurance
  • Individual securities or a combination of individual securities and mutual funds
  • One or more independent money management firms, which then manage portfolios of individual securities held in your account.
• Referral Advisor Services - We assist you in selecting and participating in a wrap fee, mutual fund asset allocation or other investment advisory services program sponsored by another investment management firm.
• Seminar Services - We conduct educational seminars on various investment-related topics. The content of our educational seminars is informational, and not intended as a specific investment advice purporting to meet the investment objectives or needs of specific individuals.

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Financial Solutions

Securian Financial Services, Inc. (Securian) is a registered investment advisor and securities broker-dealer offering a range of financial services and investment instruments, including investment advice, securities and insurance products, to the individuals, businesses and other organizations that we serve. Jade Osborne and Bobbi Brumsey are Registered Representatives and Investment Advisor Representatives affiliated with Securian Financial Services, Inc.

Securities and investment advisory services are offered through Securian Financial Services, Inc., member of FINRA/SIPC.

Osborne-Brumsey & Associates, Inc. is independently owned and operated. We provide investment advisory services to individuals, businesses, trusts and estates, charitable organizations and pension and profit sharing plans. Our advisory clients may also be our brokerage services customers, and our brokerage clients are not necessarily advisory clients.

Depending upon your needs and the service you select, we typically emphasize the development of an overall investment strategy that is carefully tailored to your needs and objectives. Our emphasis is on providing the investment advice that fits you, the investor. We offer the following categories of investment services:

• Financial and Business Services – We prepare recommended financial programs for individuals that encompass investments, insurance coverages and retirement benefits. These financial programs are based upon an analysis of your financial circumstances and objectives. Our business services include analysis and strategies for succession strategies, qualified and nonqualified benefits and group benefits.
• Investment Services – We provide asset allocation services directly to you, using investment strategies to allocate your assets through some or all of these options:
  • Several mutual funds
  • Variable Insurance Products
  • Individual securities or a combination of individual securities and mutual funds
  • One or more independent money management firms, which then manage portfolios of individual securities held in your account.
• Referral Advisor Services – We assist you in selecting and participating in a wrap fee, mutual fund asset allocation or other investment advisory services program sponsored by another investment management firm.
• Seminar Services – We conduct educational seminars on various investment-related topics. The content of our educational seminars is informational, and not intended as a specific investment advice purporting to meet the investment objectives or needs of specific individuals.

Return to Personal Financial Services Main Page