What We Do

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We specialize in assisting small businesses to develop and implement comprehensive benefits packages for their employees.  We can help with a variety of group benefit plans from Health Insurance, Dental, and Vision; to ancillary benefits such as Short / Long Term Disability, Life, and Accident. We help navigate the difficult and often times, confusing process from start to finish. This includes:

•  Assisting with web-based benefits administration software
•  One on one benefits counseling
•  Claims issues resolutions
•  And much more

  Call today for help with your business!

Life insurance is a financial contract that provides a death benefit to beneficiaries upon the insured person's death. This benefit can be used to cover expenses such as funeral costs, debt repayment, or to provide financial support for loved ones.

There are two main types of life insurance:

1. Term life insurance: This provides coverage for a specific period of time, usually 10, 20, or 30 years. If the insured dies within the term, the death benefit is paid to the beneficiaries. If not, the policy expires.
2. Whole life insurance: This provides coverage for the insured's entire life. In addition to the death benefit, it also builds cash value over time, which can be accessed through loans or withdrawals.
3. Indexed Universal Life  Indexed Universal Life (IUL) Insurance is a type of permanent life insurance that combines a death benefit with a cash value component. The cash value can earn interest based on the performance of a selected stock market index, such as the S&P 500 or the NASDAQ - 100.

Key factors to consider when choosing life insurance:

• Coverage amount: The amount of coverage needed depends on factors such as your financial obligations, desired lifestyle, and the number of dependents.
• Type of policy: The choice between term and whole life insurance depends on your specific needs and financial goals.
• Riders: Additional features like accidental death benefit, critical illness coverage, or long-term care riders can be added to a life insurance policy for extra protection.
• Premium: The cost of life insurance depends on factors such as your age, health, lifestyle, and the type of policy you choose.

Life insurance can be a valuable tool for financial security, providing peace of mind for you and your loved ones.

Medicare Supplements and Medicare Advantage are two main options for people who want to supplement their original Medicare coverage.

Medicare Supplements (also known as Medigap plans) are standardized plans offered by private insurance companies. They fill in the gaps left by Original Medicare, covering costs for things like deductibles, copays, and coinsurance. There are multiple types of Medigap plans (A, B, C, etc.), each offering different levels of coverage.

Medicare Advantage plans are also offered by private insurance companies, but they are a complete replacement for Original Medicare. These plans often include additional benefits like prescription drug coverage, dental, vision, and hearing services. However, they may have limitations on which doctors and hospitals you can see, and they may have different rules for referrals and prior authorizations

Annuities are financial products that provide a stream of income payments, typically for a fixed period or for life. They are often used as a retirement savings tool.

There are two main types of annuities:

• Fixed Annuities: These offer a guaranteed rate of return, meaning you know exactly how much income you'll receive each year. However, the growth potential is limited.
•  Fixed Indexed Annuities (FIAs) are a type of annuity that offers a guaranteed minimum return, similar to a fixed annuity. However, they also have the potential to earn a higher return based on the performance of a specific stock index, such as the S&P 500. 

Disability Insurance is a type of insurance that provides financial protection in case you become unable to work due to a disability. It can be either individual or group coverage.

How it works:

• Benefit Period: This is the maximum length of time the insurance will pay benefits. It can vary from a few months to lifetime.
• Elimination Period: This is the waiting period before benefits start. It's typically a few weeks or months.
• Definition of Disability: The insurance policy will define what constitutes a disability. It can vary from "unable to perform any occupation" to "unable to perform your own occupation."

Long-Term Care Insurance (LTCI) is a type of insurance that helps cover the costs of long-term care services, such as assisted living, nursing homes, or in-home care. These services are often needed by individuals who are unable to perform daily living activities due to a chronic illness, disability, or aging.

Key features of LTCI:

• Benefit period: This determines how long the insurance will pay benefits, typically ranging from a few years to lifetime.
• Daily benefit amount: This is the amount the insurance will pay per day for long-term care services.
• Elimination period: This is the waiting period before benefits start, typically ranging from a few weeks to months.