Individual Protections

Protect yourself and your loved ones with individual health insursnce coverage from the federally regulated marketplace.

As complex or as simple as you want it to be.

A life policy provides a tax-free death benefit to a beneficiary. These policies can be temporary or permanent with the ability to grow cash value.

Reasons for life insurance:

– Family Protection

– Debt Protection

– Key Employee Protection/Retention

– Buy-Sell Agreement Funding

– Estate Tax Solutions

– Estate Liquidity

– Legacy Planning

– Charitable Giving

The most important thing you can provide for your family. In the event of a premature death the last thing a family needs to deal with is a financial hardship.

What is the most important asset you have? Many will say their home! But the answer is YOU!

You are the most important asset, specifically your ability to earn and income to provide for yourself and family. If you are severely injured or suffer a sickness such as a stroke who will pay your income? Workers compensation only protects you at work… most injuries and sicknesses happen outside of work.

A disability policy protects you 24 hours a day 365 days a year and pays you until retirement age. Do not rely on social security disability because in most cases they will not pay your full income and the average wait time to qualify is well over 2 years. A disability policy can start paying in as little as 30 days.

Keep everyone in the family smiling with an affordable dental plan. 

Retaining the best employees can be extremely challenging in a competitive market.

Our employee retention specialists work with you to design a plan that is cost effective, benefit rich, and protects the employee as well as the employer.

Our plans are structured based on your company’s unique needs to maximize retention and satisfaction of employees.

Do you have a key employee that is pivotal to your operations?

Would losing this employee cause immediate impact to your bottom line? Or do you have an employee that you just want to reward for their hard work and commitment to your company?

Regardless of your situation, there are plans that we can offer to specific employees to make them feel extra special while also protecting your business until they reach retirement age.