Our Solutions. Understand The Customer First.

Our approach to each customer is to first understand their business and goals so that we can then help design programs and options. Our practice is organized into four distinct coverage groups to support this approach:

1.  Traditional Group

2.  Worksite

3.  Major Medical

4.  Property Casualty

 Traditional Group - Typically employer provided, these often called core benefits can also be offered on a voluntary basis where both the employer and employees share in the cost. Benefits in this category include:

·   Group Term Life

·   Accidental Death & Dismemberment 

·   Short Term Disability

·   Long Term Disability 

·   Dental

·   Vision

   Worksite - Worksite benefits are typically 100% voluntary, elected at the employee level, and paid for via payroll deduction. Benefits in this category include:

·       Accident

·       Critical Illness

·       Hospital Indemnity

·       Term Life

·       Permanent Life 

·       Disability

·       Limited Benefit Medical 

·       GAP  

Medical - Major medical (health) coverage in today’s market can include both fully insured and self funded plan options, and be tailored to fit both an employer’s size and financial objectives. Hospital GAP plans can also be an excellent option to reduce the exposure of changing to higher deductible health plans.  

Property & Casualty - Common property and casualty components that most employers require include:

·       General Liability

·    Workers Compensation