Supplemental Insurance & Voluntary Benefits Services

Products/Services

Business

Whether you are adding or changing benefits, or considering options to stay competitive, these are not only easy to set up (I do 99% of the paperwork for you), it doesn't cost your business anything! If you have three or more employees, make these plans available to them:

Personal Short Term Disability
Group Short Term Disability (minimum 30 applications or 30% participation)
Accident & Sickness
Cancer & Specified Health Event
Life Insurance (Term & Whole) -some with no physical exams or blood tests up to $250,000 (or $100,000 from age 50 and above)
Dental Insurance (no networks or deductibles)
Hospital & ICU Confinement

Vision Plan
Lump Sum Programs for Critical Illness & Cancer

The economy and the current health care debate is effecting every business and business owner. Our programs and services are here to help, and actually make the most sense, during these challenging times.

Individual

Having health insurance is important, but it just isn't enough. It pays the hospital and doctors. But what about the out of pocket expenses, bills, or time spent arranging for child care, transportation, or days off? Available to you on a direct basis are:

Accident
Sickness
Cancer
Specified Health Event
Life Insurance (Term & Whole) - some with no physical exams or blood tests up to $250,000 (or $100,000 from age 50 and above)
Dental Insurance (no networks or deductibles)
Hospital and ICU Confinement

*Just because you have health insurance does not mean you are financially protected. Please read these articles about medical bills and out of pocket expenses, and bankruptcy!

If you are considering voluntary benefits and insurance, or your current situation is not quite meeting your expectations, ask yourself these questions;

~How reputable and ethical is the company?

~How available is your agent to answer questions or deal with issues?

~How many plans or services do they offer?

~What is included in each plan and how much do they pay in benefits?

~How easy is it to file a claim and how fast are they paid?

~Are the plans and services easily customizable to my particular need(s) or situation?

~How often are rates increased, or new products introduced forcing me (or my employees) to either upgrade or drop the plan(s)?

~Does the company place us on "probation" for falling below group participation numbers for individual programs?

~Has anyone had to pay taxes on claim benefits paid to them?

If any of these questions raise a red flag in regards to your particular situation, or you feel something you were told by a companies agent that just doesn't sit right, please call me immediately! Let me surprise you with straight up, honest, common sense answers.