Why We Do it
Testimonials
The Johnston's Testimony
Cornelia's Story
- Life Insurance For Life
- Retirement Planning
- College Planning
- Employer Necessities
- Employee Life
- Group Health
- Ancillary/Disability
- LTC/Final Expense
- Individual Health
Life Insurance For Life
It is your responsibility to protect your loved one’s future; whether you are there for it or not…
Retirement Planning
Why are so many American households unprepared for retirement? Did you know that...
College Planning
They dream big! It’s up to you to protect their future whether you are there to be part of it....
Employee Life
Great employees are hard to find; so, when you are fortunate enough to come across one, you want to do...
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.
Ancillary/Disability
There are programs specifically designed to help with the out-of-pocket expenses associated with healthcare; paying benefits directly to the insured.
LTC/Final Expense
Long term care coverage can be expensive the longer in life you wait to obtain it....
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.
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!
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.