Insurance Solutions
To Fit Your Needs
Property
Protect your assets from the unthinkable: storms, fires, natural disasters and life's most unpredictable moments. We make sure the fruits of your labor are protected from the unforeseen risks that happen in every day life across the world.
Casualty
Because we represent all the major companies for property and casualty, we can customize a benefit package that is right for you.
Life
There are 3 types of life insurance:
1. Term Life Insurance - the least expensive. Pay a set premium and it lasts for a set period of time (usually 10 to 30 years). If the insured dies before the term's end, then the insured's beneficiaries will be paid a lump sum of money.
2. Whole Life Insurance - costs more than term. Pay a fixed premium and it lasts for your entire life. Allows you to withdraw funds and you can cancel at anytime.
3. Universal Life Insurance - Combination of term and whole. Builds up a cash value and you can use that cash value to pay future premiums. Has a savings component and a variable interest rate which can provide higher returns on investment/savings.
Health
In the past, it was a challenge for small businesses to find affordable health insurance. However, today there are a variety of sources for purchasing HMO, PPO, or POS plans as well as alternative health insurance plans, all at affordable group rates. We will also find out if your business qualifies for tax credits and subsidies.
Accident and Disability
When purchasing disability coverage, there are several riders available. We can tailor the policy to fit your needs. For example, a "benefit increase provision" will increase your coverage without needing evidence of insurability.