Every business should be able to provide employees access to a range of quality voluntary supplemental insurance from an agent they can trust.

Section 125: Saving you & your employees money.
Let us set up a Section 125 Premium Only Plan that lets you cut taxes without cutting payroll. Section 125 of the IRS code allows employees to pay for certain benefits with pre-tax dollars. How does this save you money? Your employees have lower taxable income & pay less in Federal, State & Local income taxes.
You can realize significant savings through lower FICA and other applicable tax matching contributions. The more employees who enroll under Section 125, the more you save.

A broad product portfolio

Universal Life Insurance- We offer 3 different UL policies to choose from. Each offer an easy application process for policies up to $150,000, a minimum specified amount of $5,000, with affordable premiums and a potential for loans and partial withdrawals based on fund value. Fund accumulation is tax deferred. Current interest rates are competitive and minimum interest rates are guaranteed. Individual coverage or entire family coverage is available.

Term Life insurance - is a 20-Year renewable & convertible term policy with level death benefits. Minimum issue in most states is the greater of $10,000 or what $2.00/week will purchase excluding riders. Current premiums guaranteed for 5 years. Individual coverage only.

Disability Insurance - Disability insurance provides a source of income when insureds can't work because of a covered sickness or off- the-job injury. Available benefit periods are 3 months, 6 months, 1 year or 2 years. Elimination periods from 0/7 to 180/180 (Accident days/sickness days). Provides benefits for up to 60% of salary or $3,00/month, whichever is higher. Individual coverage only.

Cancer insurance- Cancer insurance benefits can be used to help pay the difference between what your primary medical coverage pays and the total costs(medical & non-medical) of care. We offer 2 different cancer policies to choose from. One  provides benefits for Hospitalization, Transportation & lodging, Extended Care, and other Cancer treatments, plus 20 other specified diseases. Individual coverage or entire family coverage is available.

Accident Insurance- Accident insurance offers coverage for On-and Off-the-job or Off-the-job accidental injuries, plus some medical benefits. Accident benefits include Accidental Death & Dismemberment, Hospital Confinement, Disability, Dislocation & Fracture, Ambulance Services, and Medical Expenses. Individual coverage or entire family coverage is available.

Hospital Indemnity Insurance- Hospital indemnity insurance is a modular policy that offers a base policy which pays a daily benefit for hospital confinement, plus 9 optional riders(may vary by state). Rider benefits are added tithe base policy by selecting from a list that includes: Initial Hospitalization; Surgical & Anesthesia; Emergency Room Accident; Inpatient Physician Treatment; Outpatient Physician Treatment; At Home Nursing; Transportation; Accident Disability; & Specified Disease (Cancer, Heart Attack & Stroke) Disability Benefits. Individual coverage, individual & spouse coverage, individual & children coverage or entire family coverage is available

Heart/Stroke Insurance - Heart/Stroke insurance pays benefits for heart disease or stroke, that can be used for non-medical expenses that health insurance might not cover. Heart/Stroke benefit include Hospitalization, Surgery, Transportation & Lodging, Transplants, & Other Treatments. Benefits are paid for specific treatment as they happen. Individual coverage or entire family coverage is available.

Critical Illness Insurance - Critical Illness insurance pays a lump sum benefit upon the diagnosis of a covered serious illness. Some examples of a serious illness are Heart Attack, Stroke, Multiple Sclerosis, & Alzheimer's Disease. Available benefit amounts from $5,000 to $50,000. Benefits are portable & there are no reduction of benefits after insured reaches a certain age. Equal benefit amount are available for each family member when the employees buy family coverage. Individual, single parent family or entire family is available.


        Most of these policies can also be  
          offered on an individual bases.