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the new world of health insurance


Disability Insurance

If you became disabled how would you provide for yourself and your family?  If your or your key employees became disabled would you have to hire someone to cover for you or them while out on disability leave?  How your employees provide for themselves and their families in the event they were disabled?

Everyone believes that it could never happen to them.  But sadly it does.  Sadder still most people are not prepared for a disability.  Please Consider disability a vital part of your planning.

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Group Insurance Products

Many small businesses don’t offer Dental, Vision, Life insurance, or disability Insurance to their employees.   Many small employers believe that these benefits are for larger companies and are unaffordable or not cost effect.  We’re happy to let you know that as a small business you’re in the drivers seat.

As an employer you have choices.

Of course you can pay for your employees and possibly their families to have these benefits.

You can offer these group benefits to your employees and families on a contributory basis.  This is where you and the employees split to costs. 

Finally you have the option of offering the health insurance benefits on a voluntary basis.  You can make a portfolio of products to your employees and their families.  They pay for the benefits and choose what they need from what you’re offering.  Often times they can pay for these benefits with pre-tax dollars.

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