What We Do

After carefully listening to you tell us about your goals, concerns and priorities, we use our expertise of products, services, and providers to present you with the best options to address your particular needs. We then back that up with regular ‘benefit check-ups’ and extraordinary service.

Group Health Regardless of the size of your company, we are prepared to work with you in designing, implementing and servicing your plan. This includes but is not limited to: traditional insurance plans, medical expense reimbursement plans (MERP), health reimbursement arrangements (HRA) and the new health savings accounts (HSA). We also provide you with prototypes of documents for your various plans.

Life Insurance How much, what type and from whom. We will work with you to determine the best type and resource for providing you with financial peace of mind for your family or your business.

Disability Income One in three individuals will become disabled for a period of 90 days or more with the average length of disability being two and a half years, yet 80% of working individuals do not have disability income insurance or are not covered adequately. We can provide you with options either on a group or individual basis.

Individual Health If a group plan is not an option for you, we work with several insurance carriers who offer comprehensive coverage.

Dental We have sources for both traditional employer/employee dental as well as voluntary dental programs for your consideration.

Long Term Care With studies indicating 43% of adults age 65 or over will require some nursing care before they die and couples over age 65 face a 70% chance that at least one partner will require long term care, purchase of long term care insurance is something many of you should consider.