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  • Business Owners
  • Individuals and Families
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    • Home
    • Business Owners
    • Individuals and Families
    • Retirees and Seniors
    • Other Insurance Products
  • Home
  • Business Owners
  • Individuals and Families
  • Retirees and Seniors
  • Other Insurance Products
Bell Financial Management, LLC

Welcome to Bell Financial Management, LLC

Welcome to Bell Financial Management, LLCWelcome to Bell Financial Management, LLCWelcome to Bell Financial Management, LLC

Protecting Your Employees

Group Health Insurance

If you're a small business owner with between 2 - 50 employees, we can help you set up healthcare coverage for you and your employees. We partner with UnitedHealthcare and Allstate Benefits to offer the most competitive and robust plans to fit your needs. Both companies offer a choice between the fully insured and the more popular level-funded options. We're also able to quote ancillary coverage options such as life, dental, vision, and AD&D through these companies as well.

Downloads

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Protecting Your Business

As a business owner, you’ve had to work hard to build your business, and work even harder to maintain it. Whether you own a large company or a small family-operated business, the success of your business depends on smart strategy and planning. 


Business Strategies

We help create strategies for business owners to address several challenges they face by using life insurance to both safeguard your business against future disruption, and provide valuable benefits to your employees:

  • Provide an income-tax-free death benefit for your beneficiaries, while providing the opportunity for cash value accumulation that can be accessed for various purposes,* such as supplementing your retirement income.
  • Protect your business against financial loss in case of a key person's death, disability, or critical illness.
  • Retain valuable employees by providing them with an attractive benefits package with little or no administrative cost.
  • Redeem the business interest of a co-owner in the event of a co-owner's death.
  • Provide for the continuation of your business upon the death of an owner.

  

* Policy loans and withdrawals will reduce available cash values and death benefits and may cause the policy to lapse, or affect guarantees against lapse. Additional premium payments may be required to keep the policy in force. In the event of a lapse, outstanding policy loans in excess of unrecovered cost basis will be subject to ordinary income tax. Tax laws are subject to change and you should consult your tax professional.

 

Keep in mind that most life insurance policies require health and, in some cases, financial underwriting. 


An employer-owned life insurance policy may be subject to the requirements of Internal Revenue Code 101(j) in order to obtain an income-tax-free death benefit. In general, those rules require that before the policy is issued, the employer must provide the insured with a written notice of the life insurance and obtain a written consent from the insured. Consult with an attorney for application of those rules to a specific situation.

Our Partners

Here's a list of some of the companies we use to help you reach your goals:


  • Allianz Life Insurance Company of North America
  • American Equity Investment Life Insurance Company
  • American National Insurance Company
  • American Republic Insurance Company
  • Equitrust Life Insurance Company
  • Great American Insurance Group
  • Minnesota Life/Securian Financial Group
  • North American Company for Life and Health Insurance

Contact Us

Feel free to contact us to schedule a no-obligation consultation

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Bell Financial Management, LLC

3401 Norman Berry Drive, Suite 160, Atlanta, GA 30344

404-734-7914


Copyright © 2018 Bell Financial Management, LLC - All Rights Reserved.


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