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Hunters Insurance

7863 Broadway Ste 128, Merrillville, IN 46410

219-736-7650

http://www.huntersins.com

Business Overview

Hunters Insurance is here to provide all-in-one insurance and investment products.

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Hunters Insurance

Business Hours

SunClosed
Mon9:00 am - 5:00 pm
Tue9:00 am - 5:00 pm
Wed9:00 am - 5:00 pm
Thu9:00 am - 5:00 pm
Fri9:00 am - 5:00 pm
SatBy Appt. Only

Special hours: Schedule your appointment anytime, Saturdays are by appointment only.

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Hunters Insurance & Financial Services was started Feb 23, 2009 by Ronald K Woodall & Anthony M Jacobson as an independent insurance agency. Ronald started in insurance in 2003 and Anthony started in 2006 as captive agents working for a single insurance company. While working as captive agents we realized that we were not offering the best insurance products to our clients and unable to fulfill all our clients needs. As captive agents we were limited to one company’s product lines, price and resources.




Feb 1, 2008 we decided to sell as independent agents selling all Health, Life & fixed annuities for over 45 companies to offer the best products for our clients needs. Instead of working for an AnthonyCopypicinsurance company, we started working for our client’s best interest.

As our client base expanded, our clients kept asking us if we were going to start offering Home and Auto insurance, because they were not happy with their current agents. They wanted one place to go to for all their insurance needs--one local place to service all their insurance policies. In Feb 2, 2010 we started offering Property & Casualty {Home/Auto} insurance. Now Hunters Insurance & Financial Services is a one stop place for all your insurance needs representing over 45 companies along with partnering with John Hancock for Financial Retirement Planning and variable financial products.

On January 1, 2013 we purchased Network Financial, which has enabled us to expand our growing home and auto insurance reach. With this new location we have added a new agent. Donal Bunning. Donald has been in the insurance industry for over 25 years. His main focus is home and auto insurance. He is a welcomed and valuable asset to our ever-growing home and auto insurance division, helping us to bring the best value possible to our clients when assessing their needs.

PRODUCTS

AUTO INSURANCE
Hunters Insurance & Financial Services is now offering Home & Auto Insurance. We now can save you money on your Home & Auto Insurance. We have many companies to offer like: MetLife, Progressive, and American Commerce, etc. With these companies we are saving people up to 30% on their homes and about 20% on their car insurance. If you would like a quote to see if you are able to save money on your home & car insurance please fill out this SECURE email form, or, stop in or call us and we will take your information for you. Once we get your information we will compare insurance companies, apples to apples with in order to find you the most savings.

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LIFE INSURANCE
Life insurance is most commonly used to protect your family from any financial effects of your and/or your spouse's premature death. However, it can be difficult to think about or plan for such an event. And, unfortunately, adequate planning is often put off until it's too late. Although it may sound simple, there are many things to consider. There are many ways to protect your family with life insurance. So, consulting with a life insurance professional can be vital!

Not Only For Family Protection

Life insurance planning is not only for those who support a family. There are several reasons for thorough life insurance planning. For example, have you recently purchased a new home? Have you recently been married? Have you made career changes? Other key purposes of life insurance include retirement and estate planning.

Life Insurance Proceeds & Taxes

Many people don't realize that even though life insurance death benefit proceeds should be paid income tax-free1 to the beneficiary(ies), there's a chance that such proceeds will be included in the value of the insured's estate, which may be subject to estate taxation.2

Employer-provided Life Insurance

People often make the mistake of assuming their employer-provided life insurance is adequate. However, employer-provided life insurance is typically equal to only one year's salary...far from enough for the family provider to protect his or her family adequately, and not enough for the average single person to repay any outstanding debts – often leaving parents and siblings dealing with such bills.

1For federal income tax purposes, life insurance death benefits generally pay income tax-free to beneficiaries pursuant to IRC § 101(a)(1). In certain situations, however, life insurance death benefits may be partially or wholly taxable. Situations include, but are not limited to: the transfer of a life insurance policy for valuable consideration unless the transfer qualifies for an exception under IRC § 101(a)(2) (i.e. the “transfer-for-value rule”); arrangements that lack an insurable interest based on state law; and an employer-owned policy unless the policy qualifies for an exception under IRC § 101(j).

2 The federal estate tax exemption amount is $3,500,000 in 2009. The highest federal estate tax rate is 45% in 2009. The federal estate tax will be repealed on 1/1/10 until 12/31/10. Beginning 2011, the federal estate tax will be reinstated with a federal estate tax exemption amount of $1,000,000 and a maximum estate tax rate of 55%. Congress continues to discuss and consider legislation that, if passed, could change the estate tax exemption and estate tax rates for 2010 and beyond.

For more information on this subject, and professional guidance in selecting the right kind and amount of insurance coverage, contact your insurance professional.

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HOMEOWNERS INSURANCE
Hunters Insurance & Financial Services is now offering Home & Auto Insurance, and most likely we can save you money. We have many companies to offer like: MetLife, and American Commerce, etc. With these companies we are saving people up to 30% on their homes and about 20% on their car insurance. If you would like a quote to see if you are able to save money on your homeowners insurance please fill out this SECURE email form, or stop in or call us and we will take your information for you. Once we get your information we will compare insurance companies, apples to apples with a few companies in order to find you the most savings.

CLICK HERE FOR A QUOTE

MEDICARE ADVANTAGE, SUPPLEMENT, PART D PLANS
Why Should I Compare Medicare Supplement plans/rates? Comparing Medicare Supplement plans is important because the coverage on these plans are the same from company to company; the premium rates are the only things that vary. In some cases, people just go with the first Medicare Supplement they look at or one that they have heard of, without doing a comparison of their options. It is okay if you want to do it that way - it is, obviously, your choice. However, in many cases, NOT doing a Medicare supplement comparison can lead to simply throwing your money away. In many cases, you can get the equal coverage from an equal company for as much as $100/month difference.

TOP FIVE REASONS TO COMPARE MEDICARE SUPPLEMENT PLANS:
* Medigap supplements can reduce, or in most cases, eliminate completely, your out-of-pocket medical costs.
* Companies are required to offer standardized coverage but are at liberty to set their own prices. So, premiums vary greatly.
* They can give you a set figure for "health care expenses" to plug into your monthly budget, regardless of what happens with your health. In other words, they limit your exposure to catastrophic and rising helath care costs.
* It is extremely easy to do. Since the plans were standardized in 1992, comparing them has been easier than comparing any other type of insurance.
* The other reason to compare supplement plans for your age and zip code is, simply, rates change. As you probably know if you have been on Medicare, Medicare Supplement rates change from time to time. Because of that, it is always important to know the marketplace and get Medigap quotes and comparisons to make sure you are paying the best possible available rate.

What is Medicare Part D?
In 2006, Medicare began covering some prescription drugs taken at home. It introduced Part D drug plans, which are actually operated by private insurance companies with very little oversight by Medicare itself. Anyone who is entitled to join a Medicare Part D plan who does not enroll when first eligible will be assessed a 1 percent penalty for every month he or she does not enroll. (Call us for more details.)

When are the enrollment periods for Medicare Part D?
You have three enrollment periods:

• Initial Enrollment Period (when you first get your Medicare A and/or B)
• Annual Election Period ( Each year you can switch Plans)
• Special Election Period
• Leaving Creditable Coverage
• Moving in or out of Service Area
• Extra help paying for Plans

Do I qualify for extra help with costs?
There are different levels of extra help available, depending on your income and assets. People with a lower income and fewer assets get more help with their Medicare drug plan costs.

Level 1--You may qualify for extra help ifyour yearly income is less than this amount--AND the amount of resources you own does not exceed $10,830 for an individual or $14,570 for a couple$8,100 for an individual or $12,910 for a couple

Level 2--You may qualify for extra help if your yearly income is less than this amount--AND the amount of resources you own does not exceed $14,620.50 for an individual or $19,669.50 for a couple$8,100 for an individual or $12,910 for a couple

Level 3--You may qualify for extra help if your yearly income is less than this amount--AND the amount of resources you own does not exceed $16,245 for an individual or $21,855 for a couple$12,510 for an individual or $25,010 for a couple.

The resource amount includes $1,500 in savings that you can use as a burial fund. Couples can have $3,000 for the burial savings. You may not qualify for extra help with costs if your income or assets exceed these limits.

Every Year during the Annual Election Period we help people who qualify for Medicare Part D find the best company by comparing their medication with all the Medicare Part D providers that offer plans in their area. We will help you with enrollment into the plan and help making any transitions as easy on you as possible.

FINANCIAL SERVICES
What is an annuity?
An annuity is an investment contract or policy between you and a life insurance company. Annuities can be a useful tool for retirement planning:

Save tax-free

Annuities enable you to save money on a tax-deferred basis. You will not pay taxes until you begin to withdraw your money. Unlike a 401(k) or IRA, there are no limits on the amount you can put into an annuity.

Offers retirement income

You can purchase a contract that provides lifelong income or one that pays you for a specific time. Payments can be monthly, quarterly, semiannually or annually at a designated time.

Provides benefits to your heirs

Some annuities include an insurance component. If you die before you start to collect on the annuity, it pays your heirs the amount you invested plus interest or the market value of the funds in your account, whichever is more.

Offers an array of investment options

You determine how much you want to invest in an annuity and the amount of investment risk you are willing to take. If you put your money into a variable annuity, your premiums can be invested in stock or bond funds. There are no tax consequences if market conditions prompt you to change how your balances are invested. You can also change from one fund to another without tax consequences. If you don't want to deal with the ups and downs of the stock market, you can invest your money in a fixed annuity, which would offer you a specific rate of return.

Fixed Annuities Explained
Fixed annuities have these general features:
• Your principal is guaranteed by the claims-paying ability of the insurance company; it will never decline.

• The insurance company adds interest to your deposit each year.

• The annuity is for a specific term that you select. Generally, the longer the term, the higher the interest.

• All interest is tax deferred (you do not report it on your tax return) until withdrawn.

• You may withdraw 10% of your balance annually.

• If you withdraw more than 10% during the term, you will pay withdrawal penalties (called surrender charges).

Most fixed annuities offer an initial one-year rate and then the rate changes each year. A few companies offer a locked-in rate for the entire period (called multi-year guaranteed annuities).

Variable Annuities Explained

With this type of annuity, rather than receiving interest from the insurance company, your money is invested in mutual funds. You may earn more or you could lose principal, depending on the mutual funds you select.

Index Annuities Explained

In this type of annuity, your principal is guaranteed, like the fixed annuity, but your interest each year is based on increases in the S&P 500 Index. So, your interest is tied to the performance of the stock market but you can never lose your principal. You get the guarantee of a fixed annuity, with the potential profit of a variable annuity.

Reasons to consider annuities:
• Principal Protection
• Some Companies offer bonus premium for rollovers
• Growth Potential
• Lifetime income options
• Fixed Interest or Indexing options
• Tax Deferment
• Optional riders

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