Group Plans

Under the Affordable Care Act, in addition to health coverage through an employment-based group health plan, there will be a new way to get health coverage – the new health insurance marketplace (the Marketplace).

The Marketplace will offer health insurance (called qualified health plans) that include comprehensive coverage, from doctors and medications to hospital visits. Qualified health plans in the Marketplace will present their price and benefit information in simple terms so that you can make apples-to- apples comparisons.

Term life insurance is often the most affordable coverage because it offers protection for a specific number of years.

Whole life insurance features guaranteed premiums, death benefits, and cash value. Whole life insurance policies give you the potential to receive dividends, which can increase the value of the policy when the insured is living or provide an increased death benefit for your beneficiaries.

Guaranteed level premiums. The premiums you pay are guaranteed to remain the same for the life of the policy, regardless of age or health.

Guaranteed death benefits. Beneficiaries will receive at least the face amount of the policy upon the death of the insured, assuming you do not have outstanding policy loans and that the policy premiums are paid on time.

Guaranteed cash value. Your cash value will grow each year, tax-deferred, until it matches the face value of your policy. When you need it most, you’ll have access to your cash through loan and withdrawal options

Protect one of your most valuable assets — your income — with disability insurance

If you’re unable to work due to a sickness or injury, disability insurance can help you meet expenses and maintain your standard of living. It can help you pay bills like your mortgage, tuition and car payments, and help cover expenses for food, clothing and utilities.

By replacing a portion of your income, disability insurance can help provide financial security until you get back on your feet and return to work.

If you’re looking ahead to your retirement years, you may want to consider an annuity as part of your overall strategy. Annuities were designed to help you save, grow and protect your retirement assets, as well as provide a stream of steady income payments that will last as long as you live.

Fixed Annuities

• Keep your principal safe and secure

• Provide predictable, guaranteed annual growth

Income Annuities

• Help maximize and protect your income by avoiding market fluctuations

• Help cover day-to-day expenses by providing a guaranteed income stream for life

• Enable you to spend other assets on the things you enjoy

Whether you run a small or mid-sized company, all businesses need to minimize their liability and risk. Our expert advice will save you time and money and will assess the structure of your operation, such as its physical or digital space, the types of products you sell, who your consumers are, what type of company you have filed under (LLC, Inc, etc.), and so on.

From there, we will tailor the right risk plan, complete insurance policies, and more, so you can worry less about liabilities and concentrate on growing your business.

We offer a full suite of plans for your small or mid-sized business, or municipal organization.

Contact us about what you need.