Benefits for Employers and Employees

Individual & Group Health Insurance

Protect your income, financial future and maintain your health.

Featured Insurance company providers:

  • United Health Care Insurance Company
  • Blue Cross / Blue Shield
  • AARP / United Health Medicare Supplements

Added Health Insurance for:

  • Dental
  • Vision
  • Defined Employee Benefits

Other Insurance Benefits:

  • Life Time Income Guaranteed through Annuity Life Insurance
  • Long Term Care; Lets you be in charge of your choices
  • Income Protection, Disability Income for when you can’t work
  • Final Expenses, for end of life wishes and legacy

Guaranteed Standard Issue Disability Income

Individual Income Protection employer-arranged, multi-life basis. It supplements Group Long Term Disability or provides Disability Income when there is none in force.

Value for Employer and Employee:

  • Create a valued perk for key employees
  • Fill the gaps left by group Long Term Disability
  • Most underwriting is waived
  • Discounted Cost for groups
  • Individual contracts not group (Employee owns contract and is totally portable)

Guaranteed Simplified Issue Term Life Insurance

Individuall owned Up to $1.5 million for partners owners. Guarantee issue up to 2.5 times salary for employees.

  • Provides a better more flexible life insurance benefit for employers and employees
  • Employer owned for key people, or to fund Buy-Sell agreement
  • Only one key question to qualify: “Are you actively at work” to qualify; no health questions or exams
  • No benefit reduction at any age
  • Fully owned by employee and portable; convertible to whole life
  • Convertible to permanent insurance without any evidence of insurability

Retirement Plans – Business Owners Or Employees

Individual Retirement Plans, Self-Employed, Corporate Sponsored, Government Employees, Schools & Universities, Not-For-Profit Organizations.

  • Maximize owner retirement plans
  • Attract and retain key employees
  • Tax benefit to the business and key owner/employee
  • Comprehensive plan designs including designs to assist businesses in maximizing retirement assets and tax deductions
  • Fiduciary management assistance and programs
  • Award winning results from our advanced marketing advisors
  • Annual reviews to insure your Personal Retirement goals are met