Products
For the Self-Employed and small to large businesses, we offer life, disability,
vision, and dental insurance, as well as retirement savings plans and flexible spending
accounts.
A strong employee benefits package is often the key to attracting and retaining
quality employees.
In addition, we can help with discretionary executive benefits that can be used
strategically to help employers retain and reward key employees.
Medical Insurance
Often considered by most employees as their most valuable group benefit. Provides
coverage that may include prescription drugs.
Dental Insurance
Often the next benefit added to a benefit plan after health. Coverage may include
preventative care, maintenance, and orthodontia.
Vision Insurance
Coverage for employees that may include eye exams, frames, lenses, or vision correction.
Section 125 & H.S.A. Plans
Flexible benefit plans that offer employees the opportunity to lower their tax liability
on money spent for medical expenses and dependent care.
401(K)
Systematic plan to help employees save for retirement. May include company matching
with various vesting requirements.
Group Life Insurance
Protection on the lives of their employees that provides a benefit to the employee's
designated beneficiaries.
Group Long-Term Care Insurance
Protection for employees and their families associated with the cost of qualified
long-term care services.
Group Disability Insurance
Protection for employees against financial risk associated with lost income due
to a short-term or long-term disability.
Income Replacement
Income replacement insurance is particularly important if you own a small business.
In addition to standard disability policies, some policies have such special features
as:
- Recovery benefits that pay after you return to work full-time, during the period
in which you are reestablishing a customer or client base.
- Overhead expense coverage that pays for certain office expenses.
- For jointly owned businesses, a disability buy-out policy disburses funds for one
partner, or the business entity, to buy a disabled partner's share of the business.
- Key-person insurance, which protects a firm against the loss of income resulting
form the disability or death of a key employee.
Deferred Compensation Arrangements
Deferred compensation is often used to reward executives with retirement and insurance
benefits that go above and beyond the employer's group plans.
Deferred compensation arrangements help employers reward key employees with a degree
of flexibility that is not available under qualified retirement plans. Within these
arrangements, employers are free from discrimination rules or funding caps. Executives
benefit from deferred compensation plans because they receive generous benefits
that otherwise might not be possible.
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