Buy and Sell

When there is an untimely death of a partner in business, the stress that can surround the business with a "new family member" taking the place of the deceased can be enormous. Proper planning can eliminate the stress, and provide a complete solution for the buyout of a deceased partner's business interest.

Our staff will work along with your legal/tax representatives to make sure that the contracts are state of the art.

Key Person

Insuring the business against the financial loss created by the premature death of an important employee is an important step in securing business success into the future. This will allow you to acquire a person similar in background/experience to the one who is lost prematurely.

Deferred Compensation

These days, employee loyalty is second only to employer loyalty on the scales of business difficulties. A proper incentive in the form of a "deferred compensation" plan provides the "golden handcuffs"(Parachute) that you hear so much about. This is an exciting way to reward employees for their loyalty and to increase the company's bottom line.

Disability

Insuring key employee's income in the event of disability is one sure way of relieving your business of the obligation to keeping paying people when they are unable to work. This concept also applies to Buy and Sell agreements.

With proper planning and the availability of Individual as well as Corporate Plans, one can realize a benefit that is complete protection in the event of disability.

Group Disability

Providing an extra level of protection to your employees beyond statutory requirements is a great way to differentiate your overall benefits program at reasonable cost. As of today, we require a minimum of ten (10) employees to qualify for such a plan. The cost of this plan is deductible to the employer.

Employee Benefits

Employer sponsored health care plans for employers with 2 to 2,500 employees, who may employ people at one site or many sites. We offer hospitalization and prescription drug programs. We offer several companies to ensure that you have access to the best plans available.

Dental Plans for employer sponsored or voluntary programs from 2 to 2,500.

Employer sponsored and voluntary group life insurance, short and long term nursing care.

Medical Insurance

Day by day it seems that the process of filing medical insurance claims gets harder and harder. Our experienced professionals know how to effectively navigate the system and reach out to provide the appropriate guidance to you and your employees. We keep a continuous watch on the industry to make certain that your plan is the most effective for your needs. Tiered systems along with formal Medical Reimbursement and self insured programs are all available to you as the needs fits.

Flex Spending Accounts

As State and Federal Legislatures continue to develop programs to encouraging employees to direct pre-tax income to flex spending accounts, we monitor these changes and provide the backbone for efficient administration. Most recently we have begun to develop website for our individual clients which acts as a Human Resource assistant for your organization. By pointing and clicking through your personally designed HR site – claim forms and management information can be easily accessed. Direct links to your provider sites are also encompassed into the design.

The information provided by this site is for informational purposes only. Actual coverage determination is based upon specific policy language.