Our Services ServicesEstate PlanningLife InsuranceDisability InsuranceLong Term CareGroup BenefitsSun Cornerstone specializes in the below service lines. You can find more information about each by clicking the links to the left. No matter what your needs, we will create a solution tailored to your needs and goals:Life InsuranceIndividually designed estate, personal and business protection plans with an emphasis on estate planning application & concepts.Trust Owned Insurance Efficiency EvaluationsCorporate Insurance Efficiency EvaluationsLong Term CareDisability Income / Business Overhead InsuranceRetirement PlanningMutual Funds / Variable Annuities / Variable LifeInvestment PlanningMutual Funds / Variable Annuities / Variable LifeTo find out more about any of the above services, please view the links to the left.Estate PlanningMany people think that estate planning is only for the very wealthy; but that isn't true. When you die, the government calculates the value of everything you own, including:Your home and other real estate you own.The face amount of any personal or group life insurance policies in your name.Savings, investments, retirement plan assets or Social Security benefits.The value of any personal property such as cash, furniture, jewelry and automobiles.Your share of a business.With a proper estate plan, you can help to:Accomplish financial confidence for you and your family during your lifetime and after your death.Pass on your estate - wholly intact -- to your heirs and according to your wishes.Reduce or eliminate taxes, administrative expenses and delays in the transfer of your estate.Have the liquidity to cover your taxes, debts and expenses.Through it's advisors, Sun Cornerstone Group Inc, can help you choose appropriate insurance and investments to help protect and grow your estate assets; review your insurance and investments policies, including your retirement plan assets and employee benefits; review your ownership and beneficiary designations; assists the trustee in appropriately funding a trust.Life InsuranceLife insurance is a contract that guarantees payment to a beneficiary after the death of the person who is insured. It can be used for a number of needs — including family protection, business planning, supplemental income and estate and charitable planning.One of the most attractive features of life insurance is that its death benefit is free of federal income tax, and if properly structured, free of federal estate tax.Types of life insurance:Term life insurance policies are designed to provide temporary protection at an affordable cost — particularly in the earlier years. The contract between the policy owner and the insurance company is for a specific period of time or “term.” Term policies deliver pure death benefit protection and appeal to those seeking cost-effective, temporary coverage.Permanent life insurance, including Whole Life, Universal Life and Variable Universal Life, provides coverage for an insured's lifetime and remains in force until the policy matures provided that the required premiums are paid. Many of these policies are designed to generate cash value that accumulates tax-deferred, which can be used to fund future premiums, supplement retirement income or provide for other cash needs.Sun Cornerstone Group, Inc works with Insurance carriers, to present an unbiased, independent custom-tailored rate quote and/or current policy review. In reference to general account obligations and guarantees, the ability for the insurance company to meet these obligations to policyholders is subject to the claims-paying ability of the insurance company.Variable Universal Life: Guarantees are backed by the claims paying ability of the insurance company and do not apply to the return of principal value of the variable investment options. Protections provided by the guarantees are dependent upon the policy remaining appropriately funded. Your financial advisor will provide you with a prospectus that contains the investment objectives risks, charges, expenses and other important information about the VUL. Read it carefully before investing.Disability InsuranceDisability income insurance is needed by just about everyone who earns a living. When a disability leaves you unable to work for an extended length of time, you can lose the ability to earn an income. Disability Insurance is designed to help you maintain your standard of living when you cannot work. If you don't have much in the way of assets for a financial cushion, you need enough to cover costs and supplement your income until you can go back to work.Sun Cornerstone Group, Inc works with Insurance carriers, to present an unbiased, independent custom-tailored rate quote and/or current policy review.Here are some interesting statisticsThree in 10 workers entering the work force today will become disabled before retiring. Social Security Administration, Fact Sheet January 31, 2007An illness or accident will keep 1 in 5 workers out of work for at least a year before the age of 65. Life and Health Insurance Foundation for Education, November 2005One in 7 workers can expect to be disabled for five years or more before retirement. Commissioners Disability Table, 1998," Health Insurance Association of America, the New York Times, February 2000Close to 90% of disabling accidents and illnesses are not work related. National Safety Council, Injury Facts 2008 Ed.Less than half - 39% - of the 2.1 million workers who applied for SSDI benefits in 2005 were approved. Social Security Administration, Office of Disability and Income Security ProgramIn the U.S., a disabling injury occurs every 1 second, a fatal injury occurs every 4 minutes. National Safety Council, Injury Facts 2008 Ed. Unexpected illnesses and injuries cause 350,000 personal bankruptcies each year. Illness and Injury as Contributors to Bankruptcy," Health Affairs, February 2, 2005 In the last 10 minutes, 498 Americans became disabled. National Safety Council, Injury Facts 2008 Ed The average long-term disability absence lasts 2.5 years. Commissioner's Individual Disability Table A 70% of the private sector workforce has no long-term disability insurance. Social Security Administration, Fact Sheet January 31, 2007 Long Term CareLong-term care includes an array of services that are performed by others when personal activities of daily living are limited by an illness or condition that lasts a relatively long period of time. An extended illness or condition can deplete the assets that have been saved and counted on for retirement.Long term care may be the biggest age-related challenge we face. As people live longer, the possibility of someday-needing long term care increases. Without careful planning, the high cost of long term care services could exhaust your assets and personal savings. This is where long term care insurance can help.Long term care insurance gives you the freedom to participate in choosing the type and location of care that best meets your personal needs. It can help cover such services as home health aides, adult day care, assisted living facilities and nursing home care, costs usually not covered by ordinary health insurance and Medicare.The value of Long Term Care insurance is that it:Supports independence by providing the ability to pay for Home Care and Assisted Living costs. It give people choices.Helps protect loved ones from the burdens of caregiving.Sun Cornerstone Group, Inc works with the top Insurance carriers, to present an unbiased, independent custom-tailored rate quote and/or current policy review.Group BenefitsBenefit Members Associated, Inc., our sister corporation focuses on premium and plan negotiations for Employers in the Employee Benefits Arena.With more than 25 years of experience, Benefit Members Associated, Inc. is greatly appreciated by our client companies and is respected in the Benefit Provider Community. Maintaining relationships with more than 25 insurance companies, their experience as an employer advocate / broker gives us a vast pool from which to design objective benefit plans fully reflective of the Employer’s plan goals.Business Members Associated, Inc. is passionate about encouraging others in good times and in challenging times.Contact: 602.808.9008 Ext.24 firstname.lastname@example.orgBenefit Members Associated, Inc. is not affiliated with Lincoln Investment or Capital Analysts.