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Doug Ernst

Ernst Insurance and Financial Services
Life, Disability & Annuity Insurance

Contact Information:

Marion, AR 72364
United States

Years in Business:



Clients I'm Seeking:


My ideal clients are those who are seeking or are curious about protecting their assets, income replacement, business, estate, or that have an insurable interest they wish to protect.

About My Business:


Specialize in Wealth Accumulation with Tax-Free Disbursements, Tax-Free Retirement Income, and the Creation of Estates for Tax-Free Wealth Transfer. All Faucets of Business Continuation, Employee Bonus and Retention Funding - Key Person, Buy/Sell Agreement, Executive Bonus I.R.C. Section 162, Split-Dollar Insurance, Deferred Compensation, 401k’s, IRA’s, and all Voluntary, Group, and Portable Employee Benefits from bundled coverage’s to single needs products. Life Insurance consultative advisor on Term, Whole, Universal, and Indexed product solutions for every need from asset protection to income replacement; including education funding, mortgage elimination, business funding security, charitable giving, legacy creation, retirement accumulation, and tax-burden mitigation. Provider and advisor on Group Health plans, as well as, single needs stand-alone coverage – cancer, accident, hospital indemnity, critical illness, short-term and long term disability, and long-term care. I provide unique Insurance solutions which combine the protection and financial advantages of Life Insurance with built-in death benefit payment acceleration in the event of a Critical, Chronic, or Terminal Illness – all at no additional increase in premium. Thrive at Strategic Problem Solving; with over 20 years of Professional Sales & Relationship achievement including 15+ years of Entrepreneurial Business Ownership and success. My areas of Expertise and Core Competencies Include: Fundamentals of Money & Interest Risk-Management Life Insurance Business Ownership Employee Benefits 401k IRA’s Health Ins. Accident Ins. Disability Ins. Cancer Ins. Hospitalization Indemnity Ins. Long-Term Care Ins. Short & Long-Term Disability Investments Fixed & Indexed Annuities Retirement Planning Income, Estate, & Gift Tax Executive Bonus IRC 162 Deferred Comp Key Person Business Continuation Buy-Sell Split-Dollar Estate Planning Trust Arrangements Wills Estate Equalizations Charitable Giving Legacy Creation Wealth Accumulation w/ Tax-Free Disbursements

Years in business:
Member since:
Clients I'm looking for: