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Insurance products that cover your entire life


Due to advanced medical technology and preventive care your chances of surviving a heart attack, stroke, end stage renal disease, or coronary artery disease and cancer have increased over the years.  However, survival of a specified disease can also mean substantial health care costs. Cancer and Critical Illness coverage offers lump sum benefits that can help you pay out of pocket expenses resulting from a specified disease.

•  Coverage is available to you and/or your family

•  Benefits are paid directly to you

•  Pays in addition to insurance you may already have

•  Affordable premiums

•  Available through payroll deductions or through employer

•  Get added protection for you and your family!!!

•  Annual Wellness Benefits available


To find out more contact us


You depend on your income to cover the necessities of life (food, shelter, clothing, education, etc.  If you are sick or get hurt and are unable to work you may have difficulty meeting your obligations and you could incur substantial out of pocket medical costs.  If you’re unable to work, disability insurance can provide you with a tax-free check.  A disability not only prevents cash from flowing in, but it can also drain money from your savings.  Your ability to earn a living is your greatest asset.  Protect it!!!

•  Coverage is available to you and/or your family

•  Maternity coverage available

•  Benefits are paid directly to you

•  Pays in addition to insurance you may already have

•  Affordable premiums

•  Available through payroll deductions or through employer

•  Get added protection for you and your family!!!

•  Annual Wellness Benefits available


To find out more contact us


We help you design a flexible employee benefits

package that fits the needs of your business as well as your employees. This enables you to build a more loyal and

satisfied workforce, and ultimately, a stronger business.

Our benefits counseling and education helps each employee understand and appreciate the benefits available to them

at work. Our superior enrollment options and services save you time and money. And our personal insurance products are

tailored to the personal needs of your employees and your business.  As an extension of your Human Resource Department

we will set the enrollment process for core benefit enrollments

as well as supplemental enrollments:

That will include:

•  Pre-enrollment communications with customized materials

•  One to one meetings with a Benefit Counselor

•  Educational group meetings

•  Call center enrollments

•  Co-browsing or self enrollment for employees unable t

    meet with a Benefit Counselor

•  Daily enrollment reports provided to Human Resources


•  Surveys during enrollment to determine employee satisfaction


To find out more contact us.




As the population matures more people over age 65 will require some form of long-term care services.  Many people think that long-term care is provided exclusively in a nursing home. It can be, but it can also be provided in an adult day care center, an assisted living facility, or at home. The following factors might affect your likelihood of needing long-term care:

•  Life expectancy. The longer you live, the more likely you

   will need long-term care. Consider whether your family

   has a tendency for long life expectancy.

•  Gender. Women might need long-term care insurance

   more than men because they generally live longer.

•  Your family situation. If you have a spouse, adult  

   children, or other family members who can care for you

   at home, you might not need long-term care services.

   Family health history. You may have a greater need for

   long-term care if chronic or debilitating health  

   conditions run in your family.


Need help deciding if you need long-term care coverage? Contact us

Log onto to gain a better understanding of the financial concepts behind insurance, investing, retirement, estate planning and wealth preservation.  Take advantage of the various Articles, Calculators, Newsletters, etc.  We invite you to join often for updates and to request quotes or information.


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An employee assistance programs (EAP) is an arrangement between a corporation, academic institution or government agency and its employees that provides a variety of support programs for the employees. Although EAPs are aimed mainly at work-related difficulties, they can also help employees with problems that originate outside the workplace when such troubles impact work attendance or on-the-job performance.


The concept of the EAP originated in the 1970s in an effort to reduce substance abuse and intoxication in the workplace. Since that time, EAPs have evolved to deal with a variety of issues such as marital problems, depression, anger management, anxiety and physical illness. EAPs can provide day care for children of employees and elder care for parents of employees. Legal and financial assistance may also be available.


An employer with an established EAP can often attract and keep better talent than an otherwise similar employer without an EAP. Contact us for more information.


Can you afford the out of pocket costs not covered by your

health insurance? As major medical plans move toward larger deductibles and higher co-payments, you may be left with more gaps to fill.  Hospital Confinement Indemnity Insurance can help you fill those gaps and help protect against those out-of-pocket expenses that occur when it comes to you or your family’s medical care.  According to the National Center for Health Statistics, National Hospital Discharge Survey, 2008, the average length of hospital confinement for adults is almost 5 days .   Hospital Confinement Indemnity Insurance can help fill the gap resulting from higher deductibles and co-pays.

•  Coverage is available to you and your family

•  Benefits are paid directly to you, unless you specify otherwise.

•  Your benefits are paid regardless of any other coverage you

    may have.

•  If you leave your employer, you can take your coverage with

    you at no increase in premium

•  Daily Hospital Confinement pays a daily benefit per covered


•  Emergency Room Visit Benefit

•  Rehabilitation Unit Benefit

•  Doctor’s Office Visit Benefit

•  Outpatient Surgical Procedure Benefit

•  Wellness Benefit available


To find out more contact us