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Employee Benefits



The foundation of a strong benefits package starts with a health insurance plan that fits the wants, needs, and means of your company.  We pride ourselves on staying on the cutting edge of new ideas and plans available in the market, and bringing those ideas to your company for potential cost savings.  No one can guarantee that they will save you money, but what we can guarantee is that we will exhaust every option trying.  

Some examples include health savings accounts, health reimbursement arrangements, level funded plans, section 125 plans, and more.


Let us help tailor a package that is right for you and your company.   Get a quote...



Dental insurance is a great side benefit that employees truly appreciate, and can be offered on a voluntary or employer sponsored basis.  Adding dental with your current medical carrier can be easier administratively by having all lines of coverage on one invoice, and can often times lead to discounts for bundling.   In situations where your health insurance carrier doesn't offer dental, or maybe the price just isn't right, we have access to other widely known carriers such as Delta Dental.  Get a quote...



Vision insurance is designed to help you cover and budget for ongoing vision care expenses like routine eye exams, prescription glasses and contact lenses.  If you use the plan and the benefits they offer, you will get more back in benefits than you pay out in premium.  Vision can be offered as an employer sponsored or voluntary benefit, and if paired with your medical insurance, can lead to discounts for bundling.  Get a quote...



We offer a variety of flexible Group Life Insurance solutions that benefit both you and your employees. As an employer, you can enjoy financial advantages such as income-tax deductible premiums and Life Insurance protection at a low group rate. Group Life insurance also can contribute positively to the productivity of your business by reducing employee turnover and strengthening employee morale and loyalty. 


Depending on the size of your group, you can buy guaranteed amounts as low as $15,000 up to $100,000, and up to $500,000 with medical underwriting.  Dependent life is also available.  Get a quote...

Key Employee Insurance


Key employee insurance is simply life insurance on the key person in a business. In a small business, this is usually the owner, the founders or perhaps a key employee or two. These are the people who are crucial to a business--the ones whose absence would sink the company.  

A company purchases a life insurance policy on its key employee(s), pays the premiums and is the beneficiary of the policy. If that person unexpectedly dies, the company receives the insurance payoff. The reason this coverage is important is because the death of a key person in a small company can cause the immediate death of that company. The purpose of key person insurance is to help the company survive the blow of losing the person who makes the business work.

The company can use the insurance proceeds for expenses until it can find a replacement person, or, if necessary, pay off debts, distribute money to investors, pay severance to employees and close the business down in an orderly manner. In a tragic situation, key person insurance gives the company some options other than immediate bankruptcy.  Get a quote...



When it comes to protecting your assets, one of the most important things you can insure isn’t a material object like your car or home – it’s your ability to work and earn a living. You depend on your income to pay bills, put food on the table, and provide for your family, but if you get sick or injured and can’t work, you’ll need to be protected in order to maintain your standard of living.


With disability Insurance you help your employees continue to pay their bills and keep them from going into serious debt. If they can’t work as a result of injury or other illness, a disability Insurance policy will pay 50-70% of their income.  Get a quote...

Buy Sell Agreements


A buy-sell agreement is a formalized business continuation plan that is designed to provide for the orderly disposition or continuation of an individual’s ownership in a business.

The buy-sell agreement allows the holder of a business interest to enter into an agreement that will provide for the future sale of that interest should death, disability or retirement occur. Under the terms of the buy-sell agreement, the specified buyer is legally obligated to purchase the interest, and the interest holder or his/her estate is legally obligated to sell the interest upon the occurrence of one or more specified events.  Get a quote...

Voluntary Plans


Voluntary plans are a fantastic way to make a benefits package stronger without incurring any extra cost to the employer.  You can offer most ancillary lines of coverage such as dental, vision, life, and disability for the employees to purchase through the company, and allow the employee to choose what suits them best.  The employer then deducts the total cost of the elections from that employees payroll on a pre-tax basis. 


This benefits both the employee and the employer.  The employee gets a benefit they desire, while having it deducted pre-tax which gives them more take home pay.  The employer pays less in payroll expenses since there is less taxable income.  Not to mention it makes you as the employer look good for offering the products.  It's a win win!  Get a quote...

Life, Disabilit, Voluntary
Key Employee, Buy Sell
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