Insurance Services

Protection with Purpose—Tailored for Your Life and Legacy

At LSS Financial Group, we offer bilingual insurance solutions that go beyond paperwork—we provide peace of mind. Whether you're safeguarding your health, your family, your business, or your future, our personalized approach ensures you get coverage that fits your real-life needs.

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Let’s Protect What Matters Most

Whether you're just starting out or planning for the future, LSS Financial Group is here to help you build a safety net that’s strong, smart, and compassionate.

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Insurance Services

Life Insurance: Customized policies for financial security.

Health Insurance: Comprehensive plans to protect your health.

Dental Insurance: Plans to cover dental care and treatments.

Supplemental Insurance: Additional coverage for gaps in your primary insurance.

Medicare: Assistance with Medicare plans to ensure you receive the benefits you're entitled to.

Retirement Planning Services: Helping you save and grow your money for a secure retirement.

Life Insurance

Life insurance is more than a policy—it’s a promise to those you love. We help you select coverage that reflects your values and protects your family’s future.

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Term Life Insurance

Affordable coverage for a specified period, ideal for temporary needs.

Whole Life Insurance

Lifetime coverage with a cash value component that grows over time.

Universal Life Insurance

Flexible policies that combine life insurance with investment options.

Fixed Indexed Universal Life (FIUL) Insurance is a type of permanent life insurance that combines the benefits of a death benefit with the potential for cash value growth linked to a market index, such as the S&P 500.

Key Features

Death Benefit Protection: FIUL provides a death benefit to your beneficiaries, ensuring financial security for your loved ones in the event of your passing.

Cash Value Growth: Part of your premium payments goes into a cash value account, which can grow based on the performance of a selected market index. This allows for potential growth without directly investing in the stock market.

Interest Crediting: The cash value earns interest based on the index’s performance, with a guaranteed minimum interest rate (often 0%), ensuring you won’t lose money even if the index performs poorly.

Tax Advantages: The cash value grows tax-deferred, and you can access it through tax-free loans or withdrawals under certain conditions.

Flexibility: FIUL policies offer flexible premium payments and the ability to adjust the death benefit, allowing you to tailor the policy to your changing needs.

Market Participation: You can benefit from market gains without the risk of direct investment, as the insurance company uses the index’s rate of return to credit your account.

Living Benefits: FIUL policies often include living benefits, which allow you to access a portion of the death benefit if you are diagnosed with a chronic, critical, or terminal illness. This can provide financial support for medical expenses, long-term care, or other needs during a challenging time.

Health Insurance

Navigate Coverage with Clarity

Health insurance can be complex—we make it simple. Whether you're enrolling through the marketplace or exploring private options, we guide you through every detail.

- Marketplace Enrollment: Bilingual support for ACA plans, subsidies, and renewals.

- Private & Supplemental Plans: Additional coverage for gaps in care, including accident and hospital indemnity.

- Medicare Support: Clear explanations of Medicare Parts A, B, C, and D, plus help choosing Advantage or Supplement plans.

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Ready to enroll? Click here to get started, or contact us directly for personalized assistance.

Retirement Options

Planning for retirement is a crucial step in securing your financial future, and at LSS Financial Group, we're here to help you every step of the way. Our retirement options are designed to provide you with peace of mind and financial stability during your golden years.

Annuities

Annuities provide a steady income stream during retirement. We offer a variety of annuity options, including fixed, variable, and indexed annuities. Our team will help you choose the right annuity to ensure a reliable income throughout your retirement.

Individual Retirement Accounts (IRAs)

IRAs are a popular choice for retirement savings. We offer Traditional IRAs and Roth IRAs, each with unique tax advantages. Traditional IRAs allow for tax-deductible contributions, while Roth IRAs offer tax-free withdrawals in retirement. Our team can help you decide which option best suits your financial goals.

Retirement Income Planning

Our comprehensive retirement income planning services help you create a strategy to ensure your savings last throughout your retirement. We consider all sources of income, including savings and investments, to develop a plan tailored to your needs.

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Comprehensive Coverage for Your Dental Care Needs

We understand the importance of maintaining good oral health, which is why we offer comprehensive dental insurance plans designed to cover a wide range of dental care and treatments. ManhattanLife dental insurance ensures that you and your family have access to quality dental care without the financial burden.

Why Choose ManhattanLife Dental Insurance?

Extensive Network

Open Network - Access to a vast network of reputable dentists and dental specialists.

Comprehensive Coverage

Plans designed to cover a wide range of dental services, ensuring you receive the care you need.

Customer Support

Dedicated support team to assist with any questions or concerns regarding your dental insurance plan.

Easy Enrollment

Simple and straightforward enrollment process to get you covered quickly.

Preventive Care:

Regular Check-Ups: Coverage for routine dental check-ups and cleanings to help maintain oral health and prevent potential issues.

X-Rays: Full or partial coverage for dental X-rays to detect problems early on.

Basic Procedures:

Fillings: Coverage for dental fillings to treat cavities and restore tooth function.

Extractions: Coverage for necessary tooth extractions, including wisdom teeth removal.

Major Procedures:

Crowns and Bridges: Coverage for crowns to repair damaged teeth and bridges to replace missing teeth.

Root Canals: Coverage for endodontic treatments like root canals to save infected teeth.

Dentures and Implants: Coverage for dentures and dental implants to restore your smile and improve oral function.

Orthodontic Care:

Braces and Aligners: Coverage for orthodontic treatments, including traditional braces and clear aligners, to correct teeth alignment and bite issues.

Flexible Plans:

Individual and Family Plans: Options to choose from individual or family plans based on your specific needs.

Affordable Premiums: Competitive pricing to fit various budgets while providing excellent coverage.

Comprehensive Protection for Life's Uncertainties

Life can be unpredictable. It provides an additional layer of financial protection, covering expenses that your primary insurance might not fully address. We offer a variety of plans tailored to meet your needs, including cancer insurance, critical illness insurance, hospital indemnity insurance, and more.