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Employee Benefits

Health Insurance

For individuals, families, or groups from 1-1000+. Offering traditional plans, HMO plans, and PPO plans specialized to fit your needs. Some plans offer prescription drug coverage.

Health Care Providers

Dental Insurance

Coverage is also available to individuals and groups. Both employer provided and voluntary plans are available.

Dental Providers

Short-Term Disability

May be provided as individual policy or group policy. Comprehensive line of disability products available to address diverse income protection needs of clients. Flexible plan options enable coordination with Long Term Disability Insurance plans. Ten life minimum w/ special coverage for small groups of 2-9. Select benefit schedule; flat rate or salary percentage. Benefit duration 9- 52 weeks available. Expanded maximums up to $2,500 a week for qualified groups. Alternative funding. First day hospitalized or accident coverage available. Choice of elimination period, benefits packages, and maximums. Partial disability benefit. 24 hour coverage option available for qualified groups. Competitive rates.

Long-Term Disability

Long Term Disability Insurance may be provided as an individual policy or a group policy. A comprehensive line of group disability products are available to address the diverse income protection needs of the participants. A flexible plan design, specialized cost-containment programs, and range of benefit percentages are used to satisfy the needs of a variety of organizations.Ten life minimum with special coverage for small groups of two to nine persons. Up to $3,500 monthly maximum. Benefit duration to age 70. Two year rate guarantee. Range of benefit options are 50%, 60%, 66 2/3%, and 70%. Elimination periods may range from 30, 60, 90, or 180 days. Liberal definitions of liability. Cost of living adjustment. Work incentive benefit. Waiver of premium. Conversion privilege. Retirement income protection. Revenue protection. Premiums are determined by age, sex, and job classification.

Annuities

An annuity is a contract between you and an insurance company in which you make a lump sum payment or series of payments and in return obtain regular disbursements beginning either immediately or at some point in the future. The goal of annuities is to provide a steady stream of income during retirement. Funds accrue on a tax-deferred basis, and like 401(k) contributions, can only be withdrawn without penalty after age 59.5.

Life Insurance

Nobody should be without life insurance! We have many different plans to choose from with varying levels of coverage.

Simpla IRA Programs

A Simple IRA, or Savings Incentive Match Plan for Employees, is a type of traditional IRA for small businesses and self-employed individuals. As with most traditional IRAs, your contributions are tax deductible, and your investments grow tax deferred until you are ready to make withdrawals in retirement.

SEP Programs

A Simplified Employee Pension (SEP) plan provides business owners with a simplified method to contribute toward their employees' retirement as well as their own retirement savings.

Group Life and Accidental Death & Dismemberment

Protects policy holders from hardships that can result from sickness, death, disability, or other casualty events. This insurance coverage provides protection through solid basic plan design. Supplemental coverage can be added. Also available is employee's family with spouse and dependent coverage. Ten life minimum. Liberal individual maximums for those who qualify; up to $1,750,000 on combined Life offerings, and even higher when combined with Accidental Death & Dismemberment. Select benefit schedule, either by times salary or flat rate. Liberal non-medical maximums. Select industry discounts. Dependent Life. Retiree Life. Waiver of premium. Conversion convenience. Accidental Death & Dismemberment. Triple indemnity option. Supplemental Life and Supplemental Life with choices. Lifestyle protection. Flexible Life. Flex-Funded Life.

Critical Illness Insurance

With critical illness insurance, you can help protect yourself, your family and your lifestyle so when you survive a critical illness, you can also cope with its significant costs.

Policies can be issued between the ages of 18 & 64. $5,000 to $50,000 in benefits available. Covers 12 conditions and guaranteed renewability to age 75. This plan will pay a lump sum after the first confirmed diagnosis of a covered illness or medical procedure and can be used to pay your mortgage, auto loans, credit card payments, uncovered medical expenses, rehabilitation, travel expenses to seek medical treatment outside of your community, child and nursing care and even a vacation to recuperate!