- Life InsurancePeople have a variety of needs for life insurance so we provide several types of policies to meet these needs. Three of these plans are...
- Health InsuranceWe advocate a FLEX Plan that is a very comprehensive offering with minimal administrative charges, if any. Employers that include POP options for specific specialty insurance products may have all fees waived. Employers can add a new FLEX Plan for new benefits, or they may convert to our new FLEX Plan at the end of a plan year. Most plan years coincide with group health insurance renewal.
- Disability InsuranceWe have taken the position that disability insurance is a program that requires continual monitoring and occasional directional changes. We see the problems that occur when disability programs offered are not comprehensive - how these problems affect both the employee and the employer.
- Long Term CareLong-term care is one of the leading health concerns in the country. And the cost of long-term care is rising significantly as we move into the new century. In 2000 nearly 25,000,000 people received care at home, in a nursing home, or in another community care facility. In 2001, the average cost for a year in a nursing home in New York State approached $80,000 and it was much higher in metropolitan areas. During 1999 a third of all long-term care costs were paid "out-of-pocket".
- Dental Insurance
- Workers Compensation Insurance
- AnnuitiesAn alternative to putting your money in a savings account or money market account. Annuities usually have a higher interest rate and all taxes are defereed.