Individual Programs
Everyone’s money is important to them. That’s why Heartland Bank Financial Security Group’s investment representatives will work with you to evaluate your personal objectives and life goals to design an investment program just right for you. And, we give our customers the choice of working with us through a fee- or commission-based approach. Along with designing an appropriate strategy, Heartland will help you monitor your progress and make recommendations, as appropriate, to help your investments increase.
Individual Asset Management Products
You’ve worked your whole life to build your investment portfolio. Now you want to make sure it is properly allocated? Let your Heartland Bank Financial Security Group representative review and design a portfolio that works for you.
Stocks, Bonds, Mutual Funds and More
These products, along with REITs, exchange-traded funds, private-placement products and others provide diversification through a good mix of investment options. Plus, they offer the possibility of rising income through dividends or income through bond-interest payments. These investments range from conservative to aggressive growth based on your choice.
Traditional, Roth and Individual Retirement Accounts
Depending on your age, one of these products may be more advantageous than the other. We can help you understand which one makes the best sense for your situation.
Asset Protection
Make sure your investment plans are properly protected through the coverage plans listed. Your Heartland Bank Financial Security Group representative can provide a risk-insurance analysis and offer short and long-term solutions, including:
- Individual Insurance
- Mortgage Term Life
- Permanent Life
- Disability Income
- Long-term Care
Fixed and Variable Rate Annuities
We can help you understand the tax-shelter advantages of annuities.
For more information on Heartland Bank Financial Security Group’s individual asset management products, contact Bill Heminghaus, Vice President, Insurance & Investments, at 314.512.8557.
Individual Health Plans and Health Savings Accounts
Whether you are self-employed, underinsured or uninsured, let Heartland Bank Financial Security Group help you find the plan that meets your needs and fits your budget.
Discount Services
Heartland Bank Financial Security Group is proud to offer a variety of discounted and voluntary insurance programs, including:
- Life insurance plans
- 10-, 15-, 20- and 30-year life
- Limited guaranteed issuance life amounts
- Return of premium term
- Permanent policies
- Student and short-term medical (guaranteed issue)
- Major Medical
- Critical care
- Accident
- Cancer
- Disability medical and lifestyle plans that include:
- Free drug card
- Dental
- Vision
- Chiropractic
- Pet care
Through our partner miquotes, you can easily apply on-line. Approval is based upon answers to a few health questions. Medical examination is required. When you are approved, you can download and print your policy.
For more information on this and other health care plans offered through Heartland Bank Financial Security Group, please contact Bill Heminghaus, Vice President, Insurance & Investments, at 314.512.8557, or visit hfsg.miquotes.com.
