Personal or Group Insurance

  • Life Insurance – Provides a stated death benefit to the named beneficiary(ies) upon the death of the insured.  Life insurance is used for a variety of purposes, some of which include helping a family maintain their standard of living after the loss of a loved one, ready cash to pay estate taxes, estate equalization, fund a buy/sell agreement, pay off debt or to fund trusts established to fulfill the donor’s wishes.

  • Key Employee Insurance - Insurance policy on the life of a key employee whose death would cause the employer financial loss, owned by and payable to the employer.

  • Long-Term Care – Insurance policy that provides benefits to individuals who are unable to perform some activities of daily living for themselves such as bathing, dressing, transferring, continence, etc. Coverage provides funds to cover costs of in-home care or nursing home care. Newer policies may include a great deal of flexibility concerning care options, including options such as adult day care which allows the caretaker to continue their career and know their loved one is cared for while they are at work.

  • Disability Insurance – Insurance policy that replaces a portion of an individual's income in the event they are unable to work.

  • Fixed Annuities – Stream of unchanging payments for a specific period or for an individual's lifetime, depending on the terms of the annuity contract.

  • Variable Annuities – Annuity with payments to the annuitant that vary depending upon the investment success of a separate investment account underlying the annuity.

  • Immediate Annuities – Immediate annuities may be fixed or variable. Fixed annuities have a guaranteed benefit amount. Benefits from a variable annuity can change over time based upon the performance of the underlying sub-accounts. Once elected, these contracts are irrevocable and may not be changed.

  • Employee Benefits - Group short term/ long term life, Short term/ long term disability income, Group long-term care and Group health insurance.

Securities and insurance products are offered by Cetera Investment Services, Inc. member FINRA/SIPC 5217500000104429.  Cetera Investment Services is a registered broker-dealer, registered investment adviser, and licensed insurance agency.  Cetera is not affiliated with First Tuskegee Bank or its related companies. Securities and insurance products offered by Cetera are not FDIC insured, may go down in value, not bank guaranteed, not a deposit and are not insured by any federal government agency.

Advisory services may only be offered by Investment Adviser Representatives in connection with an appropriate Cetera Advisory Services Agreement and disclosure brochure as provided.

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Cetera Registered Representatives are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with residents of other states will only be made upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States.

For a comprehensive review of your personal situation, consult your tax Advisor. Neither Cetera, nor any of its representatives, may give tax advice.

Mutual Funds, Variable Annuities and UITs are sold by prospectus. Investors should consider the investment objectives, risks, charges and expenses of the investment company carefully before investing. The prospectus contains this and other information about the investment company. A prospectus is available from an Investment Executive. Please read the prospectus carefully before investing.