Employee Benefits


Health Insurance protects against loss by illness or bodily injury, and can provide coverage for medicine, visits to the doctor or emergency room, hospital stays and other medical expenses. Policies differ in what they cover, the size of the deductible and/or co-payment, limits of coverage and the options for treatment available to the policyholder.


As any other insurance plan, dental insurance protect against losses that are unpredictable. Dental insurance is available on an employer paid basis, contributory or on a purely voluntary basis.


Vision insurance plans are a highly desired benefit and can be employer paid, contributory or offered on a voluntary basis.


Disability coverage is a type of insurance that provides the payment of regular/ periodic income, should the insured become disabled from illness or injury.

Volunteer Benefits

Voluntary benefit plans are tailored to integrate with your salary continuance policies and/or any state benefits. They can require no employer contributions, have very low participation requirements and are guaranteed issue for all your employees.


401K is a defined contribution plan offered by a corporation to its employees, which allows employees to set aside tax-deferred income for retirement purposes, and in some cases employers will match their contribution dollar-for-dollar. Taking a distribution of the funds before a certain specified age will trigger a penalty tax. The name 401(k) comes from the IRS section describing the program.

Personal Insurance
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