Why We Do it



Life Insurance For Life


It is your responsibility to protect your loved one’s future; whether you are there for it or not…

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Retirement Planning


Why are so many American households unprepared for retirement? Did you know that...

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College Planning


They dream big! It’s up to you to protect their future whether you are there to be part of it....

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Employer Necessities


Most Business owners build for today but fail to plan for tomorrow…

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Employee Life


Great employees are hard to find; so, when you are fortunate enough to come across one, you want to do...

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Group Health


Group health insurance plans is one of the major benefits offered by many employers. These plans are generally uniform in nature, offering the same benefits to all employees.

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Ancillary/Disability


There are programs specifically designed to help with the out-of-pocket expenses associated with healthcare; paying benefits directly to the insured.

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LTC/Final Expense


Long term care coverage can be expensive the longer in life you wait to obtain it....

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Individual Health


Since the Patient Protection and Affordable Care Act went into effect in 2010 people have become more aware of their need for health insurance. We have options for as little as $73 monthly!

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Group Health Insurance

Level Funding

Company “Owned” Health Plans for as little as 5 employees. Underwritten, Designable, Adjustable, & a possible refund instead of rate increase upon renewal.

Traditional Group Health

Company “rented” Health Plan for as little as 2 employees. Not underwritten upon application, average of 15-30% increase year over year.

Cafeteria Plan
(Section 125)

A cafeteria plan allows you to deduct your plan premiums directly from your paycheck BEFORE your taxes are.

Health Savings Account (HSA)/ Flexible Spending Account (FSA)

Tax-advantaged financial accounts set aside to pay for qualified expenses.

Ancillary/Disability

Indemnity Insurance

Pays cash directly to the insured based upon specific health occurrences.

Gap Insurance

Helps to fill the out-of- pocket expenses caused by deductibles and co-pays.

Disability (Short & Long Term)

Covers part of your salary if you become unable to earn an income in your occupation.

Dental/Vision

Reduces the cost of care at Dentists’ and optometrists’ offices.

Legal

Gives you access to legal representation; affordable, full- service coverage.

Employee Life

Buy-Sell Agreement Funding

Protects parties of a partnership in case one is forced to leave the business.

Key Person Insurance

Helps an owner protect against the loss of one of their most crucial assets; a great employee!

The Golden Handcuffs

Allows employers to generate employee loyalty while providing a bonus structure and source.

Group Term-to- 100

Guaranteed Issue. Company offered.

Group Life

Usually owned by the company and offers a death benefit while the insured is employed by whoever owns the group plan.

Employer Necessities

Workers’ Compensation

Pays an employee if they are hurt while on- the-job.

Liability Insurance

Protect a companies’ assets, their business and clients from unpredictable events that create damage to person, or property.

Payroll

Our experts offer world-class service, modern/cloud-based payroll. Any Time. Any Place. Any Device!

An Exit Strategy

Most employers focus on building and neglect to organize a plan for a smooth transition of ownership; we can fix that.

Life Insurance For Life

Life has changed a lot sine the 1990’s, and so has Life Insurance! Today’s plans solve three of the most worrisome thoughts: outliving our retirement savings, becoming sick, and dying prematurely.

Living Benefits

College Planning

When putting your child on the right track, starting early is best. Selecting a college funding vehicle that maximizes growth while protecting against loss or taxation is crucial; but having those funds available regardless of whether your child ends up going to college is priceless!

College & Retirement

Long Term care / Final Expense

Long Term Care Insurance: – Reimburses policyholders for services to assist them with activities of daily living.

Activities of daily living


Final Expense: The average funeral costs over $5,000. Social Security may only provide up-to $255; be prepared.

Living Benefits & Life

Individual Health Insurances

Traditional Private Health Insurance

Coverage directly with a Health Insurance carrier without going through the Affordable Care Act (ACA) Marketplace.

Traditional Health Insurance through The ACA

You may qualify for a subsidy from the government to help pay for health insurance premiums.

Prepaid Health Clinics

Access to a local network of Primary Care Physicians for just $10 per visit!

Discount Medical Plans

Maternity, Dental, Pharmacy, Laboratory Testing, etc. available at a discounted rate.

Healthcare Bluebook/Healthiest You

A unique blend of technology and engagement allows for cost reductions, claims redirection, and improved care; while delivering innovation that consumers demand.

Retirement Planning


When it comes to retirement there are usually three types of people:

1. Those that don’t think about or plan for retirement.
2. Those who gamble their money on the market
3. Those who hoard their cash away, so they don’t lose a penny.

We like our clients in a fourth category; safely earning compound interest, and non-taxable at time of collection.


College & Retirement

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