Employee benefits play an increasingly important role in the lives of employees and their families and may have a significant financial and administrative impact on a business. We understand that a considerable portion of operating budgets go to employee related expenses. It just seems logical to look for ways to reduce your costs and to find a professional insurance agent who can help you design the right benefit plan for your particular business situation.

WHY OFFER YOUR EMPLOYEES BENEFITS?

• To attract and hold capable people.

• To keep up with competition.

• To foster good morale.

A combination of benefits programs is the most effective and efficient means of meeting economic security needs. For many employers, a benefit plan is an integral part of total compensation, because employers either pay the entire cost of a benefit plan or have employees contribute a small portion of premium costs for their coverage.

WHAT BENEFITS ARE AVAILABLE?

Group Health Insurance

• HMO (Health Maintenance Organization)

• PPO (Preferred Provider Organization)

• POS (Point of Service)

• Qualified High Deductible Health Plan & HSA (Health Savings Account)

Group Dental Insurance

Coverage for dental services under a group policy.

Group Vision Insurance

Coverage for vision services under a group policy.

Group Life Insurance

A term life insurance policy available to company employees providing additional life insurance for a named beneficiary in the event of death. Policies available for employee dependents also.

Group Disability Insurance (Short Term Disability / Long Term Disability )

A type of health insurance that pays a monthly income to the employee when he or she is unable to work because of illness or accident. A percentage of their income will still be paid to them for a predetermined amount of time.

Keyman (Key Employee) Life Insurance

An insurance policy on the life of a key employee whose death would cause the employer financial loss, owned by and payable to the employer.

Buy / Sell Life Insurance

In a partnership, this policy would provide enough funds to continue running the business productively.

Accidental Death & Dismemberment

Coverage in the event of death due to an accident, usually in combination with dismemberment insurance.

Voluntary/Payroll Deduction Products

Consider offering your employees a permanent insurance plan to enhance their benefit package at NO COST TO YOU!!! You can provide an insightful solution as an employer to offer a sound benefit package to personnel. It is done as a payroll deduction and employees can choose the amount and cost of insurance.

WHAT CAN VOLUNTARY PAYROLL DEDUCTION PRODUCTS DO FOR MY BUSINESS?

For the Employer:

• Expand your benefits program without adding costs.
• Achieve possible FICA savings and reduction in workers' compensation costs.
• Help improve employee morale and retention.
• Help meet more employees' economic needs at the workplace.
• Help contribute to employees' health through various wellness programs.
• Shift the responsibility for benefit selection and funding to the employees.

For the Employee:

• Purchase individual, choice-driven coverage at payroll rates.
• Have benefits paid directly to the insured, unless directed otherwise.
• Obtain plans that may be pre-tax eligible, and are portable and guaranteed-renewable.
• Obtain polices that help fill gaps not covered by core company plans.
• Access to advice and service from a professional insurance agent and staff.
• Convenient premium payment method of payroll deduction.
• Policies are portable. Employees can take it with them if they should terminate employment or retire.
• Coverage may be available for employee's spouse, children and grandchildren.

     Carriers We Represent

For more information, Contact A Representative.