Insurance Planning and Risk Management

Alphamint and Insurance? Yes, absolutely. Alphamint is a subsidiary of Typher Financial Services, LLC., an independent insurance broker, which means we can shop every insurance company and find you the best rates. We are not beholden to any one insurance company and we are fiduciaries, which means we must legally place your interest before our own. Every recommendation we make, you can rest assure your best interest is being looked after.

What We Offer

We help our clients with their various Insurance and Risk Management needs through a variety of products.

 Life Insurance

Long Term Care Insurance

Annuities

Fixed Index Annuities

Life Insurance

Designed to help reduce your risk exposure by covering insuring an individual in the event of death. Generally ideal coverage for the “bread winner" of a household, protecting the surviving members if the primary source of income is lost.
Our Thoughts
Alphamint is big proponents of Term Insurance because of the maximum coverage with the lowest monthly premium.
We believe Investments and Insurance should be separated in most cases, allowing each to focus on what it does best. Often times non Term Life Insurance is riddled with fees, clauses and exceptions.
There are times when Universal and Whole life may become an Integral part of an Estate Plan. Generally individuals and households with over 5 million in net-worth could benefit from Whole or Universal Life insurance from a tax mitigation standpoint.

Long Term Care Insurance

Giving you freedom in your latter years. Long Term Care Insurance is designed to supplement your existing nest egg during the expensive last few years of your life. This coverage provides a daily benefit to cover living and care expenses for a predefined number of years.
Our Thoughts
Would you rather stay at the Motel 6 or the Hilton? This is a question we ask our clients because it illuminates the possibility of their future living conditions. Many do not have family members they can live with, or many simply do not want to burden their children with their living needs as they age.
Long Term Care Insurance keeps you in control and comfortable during those last few years of life. Have peace of mind, and start thinking of Long term care Insurance now, before it becomes too expensive.

Variable Annuities

Designed to help grow your wealth and often with certain provisions added that may reduce downside risk (as well as up side risk).
Our Thoughts
Variable annuities are a great vehicle for those who have maxed out their other retirement accounts and wish to saved tax deferred dollars.  It is important to know what your getting into with any type of insurance product, all are different and each firm has its pros or cons, consult a Alphamint Adviser, as we can shop for the best product for you.

Fixed Annuities

Fixed Annuities are a great resource for providing guarantee income. Whether the annuity is deferred or immediate, this type of annuity helps diversify your income stream. We are strong proponents of the stock market, but we also believe in diversifying beyond the stock market as well. Fixed Annuities helps accomplish this goal!
Our Thoughts
Would you rather stay at the Motel 6 or the Hilton? This is a question we ask our clients because it illuminates the possibility of their future living conditions. Many do not have family members they can live with, or many simply do not want to burden their children with their living needs as they age.
Long Term Care Insurance keeps you in control and comfortable during those last few years of life. Have peace of mind, and start thinking of Long term care Insurance now, before it becomes too expensive.

Learn More About Risk Management