OUR INSURANCE PRODUCTS AND OFFERINGS
Group Health Plans
Designed for employers with 20-3,000 employees | Available to commercial companies and nonprofit organizations |
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Designed for employers with 20-3,000 employees | Includes cost-saving and benefit-enhancing programs |
Options include: Self-Funded Plans, Level-Funded Plans, and Fully Insured Plans | Administred by an excellent third-party administrator with over 62 years experience |
May include IRS-approved options like: Sec.125 Cafeteria Plans and HSAs | Comprehensive coverage options: Group Term Life Insurance, Short and Long-Term Disability Plans, Dental and Vision Benefits, Supplement Prescription Benefits |
One of our premier carriers partnered with a school district in Florida to significantly reduce premiums and deductibles (from $3,000 per year to $0) and lower maximum annual out-of-pocket costs per employee from $6,5000 to as low as $750 per year. Could we do the same for your organization?
LIFE INSURANCE, DISABILITY INCOME, AND LONG-TERM CARE
Millions of Americans face medical issues that either prevent them from obtaining life insurance or require them to pay higher premiums. Many are stuck paying excessive premiums or were sold policies that don't meet their personal needs. Our firm partners with over 40+ carriers to help find more affordable premiums, especially for individuals who face challenges with traditional insurance. We offer solutions for a variety of conditions and coverage needs, including:
- Type 1 Diabetes
- High Blood Pressure/Weight Issues
- HIV/AIDS
- Life Insurance Plans (Term, Whole Life, Universal Life)
- Final Expense Plans
- Disability Insurance (For Individuals and Business Owners)
- Long-Term Care Insurance
Let us help you navigate the best plans and alternative funding options tailored to your unique situation.
ERISA WRAPS AND EMPLOYER COMPLIANCE DOCUMENTS
Our business partners assist with required ERISA wrap documents for employers who offer group health plans and other related employee benefits. | Stay compliant with our updated services via our business partners. |
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ANNUITIES
Excellent product line for competitive, high-accumulation values | Bonus options available |
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A or A+ Carriers | Tax-Deferred or Compound Interest |
Flexible Options | Competitive immediate annuities and payouts |
Great investment vehicle for estate and retirement planning | Customized solutions |
MEDICARE SUPPLEMENT PROGRAMS, PART D PLANS, AND MEDICARE ADVANTAGE PLANS
- Government Regulations: While individual solicitations are prohibited, please contact us for personalized assistance.
- Enrollment Periods: We can help you navigate eligible enrollment periods and special enrollment opportunities.
- Medicare Updates: Stay informed about Medicare changes, including deductibles, copayments, and other updates.
- Prescription Coverage: Assistance in reviewing prescription formularies for comprehensive coverage.
- Retirement Transition: If you're retiring from employer-sponsored health and drug plans, we guide you through Medicare program conversions to avoid penalties and ensure seamless coverage.
prOperty, casualty, and risk management
Although we do not offer property and casualty insurance directly, we partner with:
- Third-Party Agencies: We have relationships with one of the nation's largest and most competitive agencies.
- Referral Services: Allow us to introduce you to trusted providers. There's no obligation, and you have everything to gain.
WEALTH MANAGEMENT
We collaborate with premier wealth management organizations to meet your financial goals:
- Referral Network: We refer requests to Certified Financial Planners (CFPs) affiliated with leading wealth management firms.
- Nationwide Expertise: These organizations operate across the US, with offices in multiple states, including Illinois and Florida.
SPECIALIZED POLICIES
Cancer-specific policies are critical for individuals facing a cancer diagnosis. According to government statistics and the Department of Health and Human Services (DHHS), over 2 million Americans are diagnosed with some form of internal cancer each year. Unfortunately, hundreds of thousands of lives are lost annually, and cancer remains the second leading cause of death in the U.S. The treatment for cancer is expensive, with substantial out-of-pocket costs that insurance may not cover, including non-approved treatments, non-formulary medications, and out-of-network hospital and medical provider fees. Additionally, the cost of chemotherapy, radiation, and even transplants and lodging can be overwhelming. Our firm can help alleviate these unforeseen costs, providing coverage that can help stretch your dollars further when you need it most.
BUSINESS EVALUATION SERVICES
One of our esteemed insurance carriers offers valuable services through their team of experienced business professionals. This is especially important for business owners who need to determine the true value of their business for IRS evaluations or to establish an accurate partnership share for potential buyouts (buy/sell agreements). Additionally, they provide funding options through insurance programs to support business exit strategies. Let us help you navigate these critical decisions and secure your business's future. Contact us today to learn more about how we can assist with your business valuation and exit planning needs.