+Employee Benefits Brokerage Service is a licensed broker/agent for various insurance companies.  In this way, we can offer a variety of products that can help you meet a number of insurance and financial needs.  In the current environment of changing health care laws, complicated bernefit plans, and constantly increasing premiums, things can often get confusing and frustrating.  We invite you to read all about the insurance and financial products we can offer and to contact us for an in-depth discussion of your financial goals.

+Employee Benefit Plans - Group coverages for companies as small as 2 employees or as large as several hundred or even thousands.  Traditional coverages include group life, health, dental, disability, and vision. 

+Life Insurance - Many people think that life insurance is only for people with families. While it is true that life insurance can help provide for the needs of dependents, life insurance also can be an important part of a well-thought-out estate, business succession or charitable giving plan. And permanent life insurance offers many living benefits as well, such as tax-deferred cash value accumulation. For all of these reasons, life insurance can be important for someone starting out or for someone who's starting over.

You can use the articles on this page to learn more about the various types of life insurance that are available.

    Whole Life - Whole Life insurance is also known as permanent insurance. You receive coverage for your entire life, as long as premiums (which are a set amount per period) are paid. Whole life policies accumulate cash value tax-deferred.

    Term Life - Term Life policies provide coverage for a specific amount of time, such as one year, 5 years, 10 years, 20 years, or even 30 years. Term premiums are often less expensive than whole life premiums, but once the term of the policy is complete, coverage terminates. There is no accumulation of cash value.

    Universal Life* - Like Whole Life, Universal Life is a permanent insurance policy, which means that it covers you for your entire life, as long as premiums are paid. Universal life, however, offers you flexibility that enables you to change your premiums and death benefit as your needs change.

    Survivorship Life - Survivorship life insurance, available as whole life, universal life* or variable universal life covers two people and provides payment of the proceeds when the second insured individual dies. Survivorship life insurance is often used to help meet estate planning or business continuation goals.

* Issued by various insurance companies determined according to your needs and desires.

# Issued by various insurance companies determined according to your needs and desires.

Annuities - An annuity is a unique financial vehicle designed to help you accumulate money for your retirement and/or turn a lump-sum of money into a guaranteed stream of income payments.

Deferred annuities offer the advantage of tax-deferral and can be used to accumulate money for retirement.

You can use the articles below to help you learn more about which annuity might be right for you.

    Fixed Interest Deferred Annuities* - With a Fixed Interest Deferred Annuity, the interest rate on your policy is guaranteed never to fall below a certain amount. For many people, this provides a measure of security about their investment.

       +   Fixed Index Annuities* - Fixed annuities that follow a stock market index.  These types of annuities have guarantees that allow you to take advantage of a market that is increasing while protecting you on the downside if the market is decreasing.  


* Issued by various insurance companies determined according to your needs and desires

# Issued by various insurance companies determined according to your needs and desires

Income annuities are used to generate a stream of income payments that is guaranteed to last for as long as you need it to -- even for the rest of your life.

Guaranteed Lifetime Income Annuities** - An income annuity where income payments begin immediately - one period after the annuity is puchased. It is designed to provide you with predictable income monthly, quarterly, semi-annually or annually, no matter how long you live, and regardless of how the financial markets perform.

** Issued by various insurance companies determined according to your needs and desires

Long Term Care Insurance - Long-Term Care Insurance is not a new insurance concept. It has been around for a long time, However, many people do not understand what long-term care insurance policies cover, how and when the policies pay benefits, and who should obtain coverage.

+Medicare Supplement Plans - We also offer plans to supplement your Medicare coverage.  We are associated with various companies that can fulfill your needs.

Need a little help in deciding which products would be right for you and your company or family? Please do not hesitate to contact us for additional information. I can help you analyze your needs and recommend appropriate products.