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Survivorship Universal Life (2nd to Die)

The Survivorship Universal Life Plan *

The Survivorship Universal Life Plan : offers the benefit of a permanent life insurance policy that protects two people with one policy.  The death benefit is paid when the second death occurs.  The plan may cost less than purchasing two individual plans for the security of those you love.  Any two people who share a mutual financial interest can purchase the plan.  This could include business partners, married couples or others with mutual financial interests.  For a couple, this plan offers an affordable option to provide security for their legacy, and their estate can pass on to their heirs with less of a tax burden.  

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Ministry Financial Planning

Financial Ministry Principles For Today's Challenging Culture, That Can Reduce Financial Risks

1. The ideal financial budget anchors that can build a growing ministry which is sustainable over time.  Developing a balanced financial plan is critical with these in mind.

      • Ministry programs 30%
      • Salaries                 30% or less
      • Debt service          30% or less
      • Daily operations    10%

2.  A ministry missing financial balance functions much like a vehicle with a flat tire. A ministry missing financial balance will find it difficult to sustain its mission principles over time unless its flat is fixed. Flat tires develop very naturally as a ministry find it necessary to pull funds from one key area to maintain the growing demands of another.  

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Ministry Financial Planning
When You Find Your Life Is In Transition or You Are Alone In Life Again

When You Find Your Life Is In Transition or You Are Alone In Life Again

Regardless of what resulted, when you find yourself alone again in life the reality of the fact in today's culture, usually puts you in quite vulnerable position but you do not realize it.  You may feel like a disconnect looking for a connection to relieve the pain and hurt.  Hasty, and unwise choices could find you jumping from the frying pan directly into the fire.  Time is necessary for healing to position you to make wiser choices as each year passes.  According to the Life Insurance Institute and Property and Casualty industry which review risk factors, most people should give themselves three years before making life changing choices.   Below are some suggestions you may find helpful  as you work to sort your life out and make sense of things you are presented with at this time of life.  These suggestions are drawn over time from our education and thirty plus years of experience in assisting persons dealing with life transitions.

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Governmental Provided Life Plans
This page is still under construction at this time; please check back at a later date. If information is desired for this before it is posted, please email us at  pfs@phelpsfinancial.com, and we will do our best to reply with proper info for your needs. Thanks for your understanding.
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Safeguards For Ministry Youth Staff and Youth, Including Specific State Reporting Info for Sexual Misconduct Issues Included

Developing Written Safeguards And Procedures For Your Ministry Employees And Volunteers

Assisting ministries with developing, perserving and restoring trust, with excellence.

Effective considerations for sexual misconduct, child abuse, sexual harassment embezzelment issues that can reduce issues of neglect and offer prudenance for protection from litigation and accusations.*

As a person boards an airplane today, they may find the screening and checking which is required bothersome, but most would not think of boarding without it being done, because of their perceived view of the risk involved today. In like manor people are likely to avoid attending or working with your ministry when these are missing for the same reasons. We believe effective risk management is necessary for a ministry to be dynamic and growing today. We offer to assist your ministry with time saving up to date information, suggested safeguards and other written procedures, workshop at your ministry location, that are effective in bringing your risks into a more manageable position.

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Background Checks Using Screen Now Directions
Directions For Using Screen Now for Background Checks
Directions For Using Screen Now for Background Checks
Suggested procedures for background screening:

Reason for doing, to cover ministry neglect: Each worker should be screened both paid and volunteer. Before you proceed with the process you should have each individual that is to be screened sign a background and criminal check release form. We have suggestions for this on our site under the Sexual Misconduct Safeguard Strategies page. If you have questions on this, please contact us. 

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Sexual Misconduct, Chlld Abuse, Sexual Harassment Litigation And Accusations, The Critical Cause, Neglect

Sexual Misconduct, Child Abuse, Sexual Harassment Litigation and Accusation, The Critical Cause, Neglect

Assisting ministries with developing, perserving and restoring trust, with excellence.

As a person boards an airplane today, they may find the screening and checking which is required bothersome, but most would not think of boarding without it being done, because of their perceived view of the risk involved today. In like manor people are likely to avoid attending or working with your ministry when these are missing for the same reasons. We believe effective risk management is necessary for a ministry to be dynamic and growing today. We offer to assist your ministry with time saving up to date information, suggested safeguards and other written procedures, workshop at your ministry location, that are effective in bringing your risks into a more manageable position.

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Sexual Misconduct, Child Abuse, Sexual Harassment Litigation And Accusations, The Critical Cause, Neglect

Sexual Misconduct, Child Abuse, Sexual Harassment Litigation and Accusation, The Critical Cause, Neglect

Assisting ministries with developing, perserving and restoring trust, with excellence.

As a person boards an airplane today, they may find the screening and checking which is required bothersome, but most would not think of boarding without it being done, because of their perceived view of the risk involved today. In like manor people are likely to avoid attending or working with your ministry when these are missing for the same reasons. We believe effective risk management is necessary for a ministry to be dynamic and growing today. We offer to assist your ministry with time saving up to date information, suggested safeguards and other written procedures, workshop at your ministry location, that are effective in bringing your risks into a more manageable position.

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Sexual Misconduct, Child Abuse, and Sexual Harassment Litigation And Accusations, The Critical Cause, Neglect

Sexual Misconduct, Child Abuse, Sexual Harassment Litigation and Accusation, The Critical Cause, Neglect

Assisting ministries with developing, perserving and restoring trust, with excellence.

As a person boards an airplane today, they may find the screening and checking which is required bothersome, but most would not think of boarding without it being done, because of their perceived view of the risk involved today. In like manor people are likely to avoid attending or working with your ministry when these are missing for the same reasons. We believe effective risk management is necessary for a ministry to be dynamic and growing today. We offer to assist your ministry with time saving up to date information, suggested safeguards and other written procedures, workshop at your ministry location, that are effective in bringing your risks into a more manageable position.

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Assurant Group Dental Policy Overview

 

Ohio - overview and prepayment fees. Please note this is not a discounted dental plan, as some may offer, but a full dental plan offered as a HMO through a chosen Dentist whom you choose through the dental provider network.

Secure Choice

The Secure Choice plan provides dental benefits with attractive prepayment fees.  To receive the benefits of the Secure Choice plan, you will need to select a Plan Dentist for you and your family members from the list of dentists. You may choose a different dentist for each family member.

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