BUSINESS
Group Plans
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What is a Group Plan? Group plans are different types of insurance that are issued on a guaranteed basis to a group of people, rather than one individual. In most cases, a company or small business offers these plans to their employees to enroll in. These plans can include Life Insurance, Health, Dental and Vision Insurance, Disability Insurance, company sponsored retirement plans, etc. When you elect to offer these plans to your group or business, the insurance carrier analyzes and underwrites the collective group rather than each individual person.
Our team works closely with many businesses of all sizes and industries to put them ahead of their competitors with the top group plans in the market for their employees. We have an elite group of experienced and seasoned professionals that can work with you closely to find any option to fit your needs and business. |
Plans we can help you start:
Benefits of each
This gives employees the peace of mind knowing that when they work for a business, they have the opportunity to protect their family if something were to happen and they were no longer around. We have relationships with the largest, top-rated carriers and options to help start a plan like this for your business.
One of the main benefits employees look for when they apply for jobs is a plan to help cover different medical bills, especially now with an environment of rising healthcare costs. Many people without Health, Dental and Vision coverage are unable to go to the doctor regularly simply because they can't afford to cover the costs. We have dedicated advisors with years of knowledge and experience in Healthcare Insurance that can not only find the best plan for you, but our relationships with the largest carriers ensures we give you the best price in the market.
When most people think of disability, they imagine being confined to a hospital bed, unable to move very much, when in-fact, disability comes in many different forms. Unfortunately, most disability coverage has a very narrow definition of disability, making it very difficult for employees to qualify for their benefits. We work with the number one carrier in Disability Insurance to give your employees the best chance at receiving benefits if they can't work due to sickness or injury. Mental health is drastically overlooked when we think about what affects our performance. While many carriers don't cover mental disorders and substance abuse, ours does. There are many different things that can render us unable to perform our job duties, not just major physical injuries like broken bones.
Everyone imagines retiring one day, even when we love what we do. Giving employees the option to set money aside for their retirement is a tremendous value for businesses. There are different options to choose when setting up a plan like this, and our advisors have been working with businesses for decades to help them. We take care of setting up the plans and managing them so you can focus on what matters most, running a business.
Many businesses have executives they trust and value. This is a simple, yet powerful, fringe benefit that lets you, the employer, purchase life insurance on yourself and selected key executives. Executive bonus plans also provide your business with a current income tax deduction. Additionally, if a key person in your company died today, would it adversely affect your business profits? Successful businesses are built on a variety of assets: equipment, inventory, real estate, accounts receivable, cash, goodwill, and not least of all, key people. The death of a key person could have a devastating effect on the future of your business. Just as your building, inventory and equipment are insured against loss, so should your key employees. There are lots of ways you can give value to your executives, and your business. Considering some of these options is a great way to put you ahead of your competition.
