LIFE | SUPPLEMENTAL | DISABILITY | HEALTH | TRAVEL

Individual and Group Options

As a business owner your top priority is your company’s productivity

Productivity = Profit, and profit is necessary for company growth.  To accomplish this you need the best employees available.

There are two ways to attract a high quality employee: a good salary and a five star and inclusive insurance package.  By adding a top quality insurance package to your benefits like vacation and sick pay, retirement savings, and other perks, you establish a impressive package that will help you attract and retain quality employees.  You never want quality employees to leave because of a better offer.

Two things are true, potential employees have turned down higher pay for an outstanding benefit package, and a top reason employees leave comes from a better offer at another company.  Thats why your investment in your employees shows them that you truly care about them.  Happy employees have higher production and workplace participation.  It also incentivizes them to output high quality work.

Our agents can help you design an insurance package with diverse coverage. If you currently have insurance options we can help you fill gaps.  Our policies can be paid by the company 100% (non-contributory), or pay a percentage of the policies with the employee (contributory), and we can also help you establish a package that gives tax savings as it qualifies for Section 125; which is paid 100% by the employee.  This not only saves the employee taxes, it also saves the employer on taxes because benefits are paid with pre-tax dollars for qualified options.

Group Participation

In Florida, to qualify for group rates you must have (2) W-2 working full time.  One employee can be the business owner.  If you choose to create a non-contributory plan 100% of all eligible employees must be included.  If you choose contributory 75% of all qualified employees must participate.  As a payroll deduction that pays 100% of the package there are no minimums, but we must be able to offer it to all employees that are eligible even if they don’t purchase.

We Help Businesses that Have High Turnover

Businesses with high employee turnover like the food industry can establish a benefit package through our agency.  We can offer plans that each employee can purchase or decline, those benefits are payroll deduction and they are 100% portable should they leave or find themselves fired.  By offering the plans, the employee will enjoy group rates but on an individual basis.

Coverage For The Company

As a small business you want to protect your investment.  We have solutions that will benefit the best interest of the company to prevent disruptions and be sure that there will always be capital flowing should an owner become disabled or passes away.  These benefits include:

  • Disability Buy-Out
  • Life Insurance (Buy-Sell Agreements)
  • Annuities
  • Disability Insurance
  • BOE Disability (Business Overhead Expense)
  • LegalShield Small Business
  • Key Employee Life

To find out more about these options, our agents will be happy to come to your work place and discuss what each of these options do and how it can protect your business.  Protecting business owners and key employees insures that should a disaster strikes one of them, the business will have capital coming in to cover bills, wages and supplies to keep the doors open.

You worked hard to make your business thrive, protect it in the case of buy outs and disability.

Coverage For Employees

We write for over 80 top rated companies throughout the US.  We offer these employee benefits

  • Group term life
  • Accidental Death and Disability
  • Accident Protection
  • Chronic Illness
  • Cancer Policies
  • Vision, Dental and Hearing
  • Hospital Insurance
  • Short-Term Disability
  • Retirement Savings (401K Plans)
  • Group LegalShield & IDShield plans as a benefit
  • Vision and Dental Supplemental Insurance
  • Discount Plans

For an employee to be eligible for these products, that employee must be employed for a minimum of 6 months, they must work full time and they must sign up during an enrollment period.  For Aflac group rates on their products a minimum of 5 employees must participate unless its non-contributory because the company must pay for every employee that qualifies.

Our discount plans can be stand alone.  This option is good for start up businesses with low employee numbers, or wants to offer something but doesn’t have the revenue to do so.  Discount plans are NOT qualified insurance.

Some of Our Preferred Group Companies

Additional Options

One of the leading causes employees miss work… LEGAL REASONS!  

We have two products that most companies don’t offer employees BUT with us, you can.  It’s LegalShield and IDShield.  These products give the power of legal help and advice by licensed lawyers in the palm of your employees hands 24/7.  With LegalShield the employee can create a will for only $50.00!  They can help that employee set up a trust for their estate or a trust for their children for $250.00!!!!  Additionally they can get IDShield.  IDShield helps protect themselves from identity theft.  It protects and reimburses them against fraud on their bank accounts, gaming accounts, credit cards etc… all they have to do is input their accounts they want protected.

Employers can offer this to their employees for group rate premiums, only 1 enrollee is needed to create the group.  You as the employer can pay their subscription through payroll deduction or they can pay it directly on their own.  Should the employee leave the company, they can continue to pay for the plan at the group rate but we will need to bill that employee directly by credit card or bank draft.