Insurance Services

Group and Individual Health and Dental Plans

With our affiliation with United Health Care, we are able to offer a wide array of group and individual health and dental insurance plans. Would you be interested in a lower-cost solution to health insurance that offers coverage and lets you save on your income taxes? If so, then you need to know more about a health savings account (HSA).

Medicare Insurance

Whether it is a medicare supplemental gap policy, a prescription drug plan or a medicare advantage plan, we can help with your medicare insurance needs. Contact us for a free, no obligation quote.

Useful Links:

www.medicare.gov, www.cms.gov, www.aarpmedicareplans.com, www.uhcmedicaresolutions.com

Life Insurance

Without the necessary life insurance coverage, premature death could leave survivors with no money for other aspects of planning, such as college funding, retirement planning, or even the necessities of life. If you have dependents but their assets would not provide for them adequately after your death, they need life insurance. How much life insurance do they need? The simple answer: enough to sustain the family’s present standard of living and let them meet their financial needs in the event that you are no longer around. For life insurance needs, we offer term life, whole life, universal life, variable universal life, second-to-die fixed and variable universal life, and single premium variable universal life.

Long Term Care Insurance

Long-term-care insurance provides benefits for medical and other services provided to insured individuals who need constant care in their own home or in a nursing home. For long-term-care needs, we can offer comprehensive policies, nursing home policies, community-care policies and shared benefit policies.

Disability Insurance

Your chances of experiencing a disabling sickness or injury may be higher than you think. Even if you have an income protection plan through their employer, it may not replace enough of your income to meet financial obligations if you became disabled. An individual income protection insurance plan is a completely portable way to complement existing work benefits or other disability coverage. For disability insurance needs, we offer personal income protection, disability overhead and disability buy-out.

Workers Compensation Insurance

We have teamed up with The Hartford to bring you a workers’ compensation payment service that lets you:

*Automate Payments- When you approve payroll, your workers’ compensation premiums are automatically paid one pay-period at a time.

*Control Your Cash-Flow. You don’t have to make large, upfront deposits.

*Save Time-You don’t need to write checks or worry about tedious audit activity at the end of the policy term.

*Note: Workers Compensation insurance is available to our payroll customers who qualify for a workers’ compensation policy by The Hartford.*