We design, implement, and administer custom Disability, Life and Long-Term Care Insurance plans for large organizations by emphasizing proper insurance levels for the most highly compensated employees.
Regardless of your industry or area of expertise, we all share the same concern – to adequately provide for ourselves and our families in the event of a disability, death, or a long-term care event.
Your Organization Deserves
Because we do not offer medical or retirement plans, we have the unique ability to focus our attention on these three key benefit areas that are often under-served by brokers specializing in other areas. Our analysis and solutions are driven by four core areas of focus:
Our Core Focus
Benefit limits imposed by insurance carriers impact your ability to provide proper benefits to the most highly compensated individuals in your organization. Through our use of proprietary design techniques and products, we are able to deliver solutions that can protect most, if not all, income levels.
Regardless of your organization’s structure, corporation or a pass-through entity, there are often enhancements that can create a more tax-efficient solution for your organization and for your key people and employees.
You cannot under-estimate the impact of contract provisions and definitions, especially with Disability Insurance.
What type of income is covered: K-1, W-2, 1099?
Are bonuses and commissions insured? Should they be insured?
What is the definition of disability: Own Occ? Specialty? Subspecialty?
Don’t wait until claim time to know what provisions are hidden in your contract. Provisions and definitions not in-line with the needs of your organization can lead to limited or denied benefits.
Group insurance contracts have variable rates that can change at renewal. Our solutions reduce the exposure and volatility of group rates by integrating individual contracts with guaranteed rates and benefits. A properly integrated plan not only has greater long-term rate stability, but may also have a reduced overall cost.