Group health insurance has stabilized over the last few years, and the cost is now lower than the cost of an individual plan in many cases. Your company can have great coverage, that will assist in attracting and retaining quality employees. To receive quotes I need your business name, and physical address. I would also need a census of your employees (and any family members, if you plan to cover them). Please include their DOB , gender, and tobacco usage. There are also several questions designed to help in discovering which companies and products will meet your goals best, so please describe what features you would like to be included within the plan. The cost can be shared with your employees paying up to fifty percent of the cost for themselves, and the full cost to cover their family members. The best way to achieve this would be to give me a call, and we can discuss your options.
Group dental insurance is also very stable these days, with a very minor or no increase at the renewal. Group dental coverage can be set up as employer or employee paid, or with a shared cost.
Group life insurance is a guaranteed product. You and your employees can purchase coverage for yourselves and families without answering any medical questions, and without an exam. The cost of group life insurance is very reasonable.
Insuring your paycheck is quite valuable. What would change if you lost your income? Group disability insurance protects your income in case of an injury or illness. This type of policy is also guaranteed, in that there are no medical questions or exam required. Typically the plan would pay you 60% of your regular gross income, but without taxation. This allows the benefit to closely replace your normal take home pay. The cost of this type of coverage is very reasonable.
Routine exams and coverage for lenses and frames, or contacts are a nice benefit for you and your employees. The cost is very reasonable as well.
AFLAC is the best known insurance company that offers these product types, but several other companies offer better coverage at lower costs. The better companies are Transamerica, Allstate, and Colonial Life. Accident plans, hospital plans, cancer plans, critical illness plans, and more are available to fill in the costs for these special situations. The cost is low, and generally each employee can pick and choose the plans that meet their needs. These products can be employee paid.
For a quote please contact me by calling or leaving an email message. I will contact you as soon as possible to discuss what you are trying to accomplish, and to ask a few additional questions.