Life Insurance Products
Every case is different and there is never a one fit for all. Use these products as foundations, we are here to help you each step of the way!
Investment
Leverage what you earned to build a financially free life style. we protect the downside and celebrate the upside so you can sleep easy
Health Insurance Products
Health protection does not mean it has to pay doctor bills. It can also safe guard your life style by paying you directly!! We are here to make sure your health is always your asset and never a liability
Major medical coverage
From your annual check up to major operations, traditional medical insurance should always be with you, just like the foot print in the sand
Real Estate
Exclusive real estate offers! Check them out before they are gone!
Referrals and partnerships are welcome!
Property and Casualty Insurance
At Imperial Financial Group we understands that running a business takes a lot of work and tough decisions, that is why we want to make your insurance process a smooth one. We will do the work and research that is necessary in deciding which coverage works best for you.
Business Insurance
IFG assures that your business will always have a bright future by providing you with the security you need as a business owner. Our insurance policies help pay for the your building repairs and any content that you may have lost when an unfortunate situation occurs.
Auto Insurance
In the event of an accident, your auto insurance policy will provide financial coverage for vehicle damage, property damage and medical expenses. We understand that choosing a policy can be difficult and confusing. Wilkens Insurance Agency will focus on finding the plan that best fits your needs. Whether you are interested in the state minimum or full vehicle coverage, we will help make that coverage as affordable as possible.
Home Insurance
We know that your home is one of the most important financial investments, which is why we work hard to find you the proper coverage. Unfortunately, accidents can happen, but having the right insurance can protect your home and belongings, giving you and your family some peace of mind.
Estate Planning
IFG help you manage your Estate Plan with instant access
Revolutionary Technology: Our unique technology enables you to easily complete your attorney drafted documents conveniently from the comfort of your home or office.
Revocable Living Trust
The Revocable Living Trust is the centerpiece of your Estate Planning Portfolio.
The trust is completely under your control. As the name implies, your trust is fully revocable while you are alive. You may alter, amend (in whole or in part), or even revoke your trust at any time. You can transfer your assets back out of your trust just as easily as you can transfer your assets into your Trust.
The person who manages the Trust is called the Trustee (in most cases you are the Trustee initially). After your passing, the successor Trustee you appointed can manage and distribute assets to the beneficiaries of the Trust.
If you have children (even grown kids) you have the option of creating a sub-trust to hold their assets until they reach a certain age or split distributions over time at three different ages. This prevents a potentially immature young adult from receiving a windfall that might cause more damage than good. You can even allow early withdrawal for educational expenses, first home, wedding or even a business.
You can even stipulate certain beneficiaries as "income only", and prevent them from getting a "lump sum" distribution and allow them only to draw and income for education, maintenance and support.
Living Will & Advanced Medical Directives
Living Will and Advanced Health Care Directives allow you to determine how you want medical care administered if you have a terminal illness or are in a comatose state.
If such a condition should happen to you, these instruments will serve to give notice to medical professionals your wishes (such as if you desire whether or not to be kept alive by artificial means).
Your Living Will agents are also considered to be the guardian of your person. In most cases, your Advanced Health Care Directive can take the place of a Living Will.
Many healthcare providers require a Durable Power of Attorney for Healthcare in conjunction with a Living Will to carry out the decrees of a Living Will. It is important that your agents for your Durable Power of Attorney for Healthcare are the same as your Living Will. (Both documents are included in your comprehensive estate plan.)
Durable HIPAA Statement
The
Durable HIPAA Statement grants an exception to the privacy restrictions of the HIPAA law to allow for personal information to be provided to the Agents you have appointed so they can make an informed decision regarding your medical care.
Last Will & Testament “Pour Over Will”
The Last Will and Testament included in your document set is better described as a "Pour-Over Will". It is used in conjunction with a Revocable Living Trust and its primary function is to convey everything you have forgotten to fund into the trust prior to your death (hence "pour-over").
Please note that unless your remaining assets are minimal in value, all non-trust (un-funded) assets must go through probate first.
So be sure to use the Comprehensive Funding Kit (below) to keep your asset funding up-to-date.
In addition you may appoint guardians for your minor or disabled adult dependents so you can be assured who will take custody.
Durable Powers of Attorney
Durable" means that the appointment of the power will "endure" even after your incapacitation.
A Power of Attorney will give your appointed agent the power to make certain decisions on your behalf when you are unable to do so.
Durable Financial Power of Attorney
Durable Power of Attorney for Healthcare
Durable Agent Notice
Comprehensive Asset Funding Kit
Your Trust is like an empty basket. You must fill this basket with your assets by transferring them into the Trust. This process is called "Funding". To avoid probate, its vital to fully fund your trust once completed, so we have developed our exclusive Funding Kit to help you through the process of moving your assets into the Trust, (called "Funding"). The Funding Kit provides detailed instructions on nearly every possible type of asset and how you can fund it into your Trust.