Open Enrollment Begins November 1 and runs thru January 1st 2025
our services
High Quality Major Medical Health Insurance
Through the expansion of the Advance Premium Tax Credits (APTC) by Congress under the American Rescue Act, many more Americans are able to qualify for savings on their health insurance premiums. If you are a healthy Small Business Owner or Sefl Employed Entrepreneur and don't qualify for these subsidies, we have a plan that is designed for you as well. These plans have the same comprehensive coverages that are in the Affordable Care Act plans, but are offered at more affordable rates than what is found on the Marketplace.
Schedule a FREE consultation today to learn more.
Employer Sponsored and Healthcare Solutions
We are proud to offer a suite of services that prioritize the protection of your most valuable asset - your employees. Employee benefits packages are crucial in attracting top talent, as many potential candidates consider them a key factor when deciding on a new job opportunity. Some plans include first-dollar coverage with no deductibles, no pre-existing condition limitations, Section 125 solutions to increase employee take-home pay, and more. We understand the importance of offering exceptional employee benefits, and we strive to go above and beyond to meet your needs.
Self Employed Health Insurance
The major difference between a successful business and an unsuccessful business is that the successful business has access to the right tools and resources to help them run their company, effectively, efficiently and profitably.
We take pride in our ability to offer personalized, agile solutions that address the complex needs of our clients while deivering superior service and expertise.
Independence Guaranteed
We represent multiple carriers so you can choose from a variety of Healthcare plans.
Ancillary and GAP Plans
Hospital Indemnity
Individuals with high deductible health plans, ACA or Medicare Advantage plans may find hospital indemnity plans especially valuable. These plans help bridge the gap in coverage by providing financial assistance for out-of-pocket costs associated with high deductibles and co-insurance plans.
Disability Income
Ever considered what would happen to your lifestyle if you were to become sick or injured and not able to work for more than 6 months? Studies show that if you are between the ages of 25 and 64, you have a 1 in 5 chance of becoming disabled before retirement. The average long-term disability lasts for 31.6 months or roughly 2.5 to 3 years.
Ask how you can protect up to 60% of your GROSS INCOME for as little as $.03 to $.05 on the dollar.
Cancer and Critical Illness
According to the American Cancer Society men between the ages of 25 and 65 have a 1:2 (50%)chance of being diagnosed with cancer prior to their 65th birthday. For women this number is 1 in 3 or 33%.
3 out of every 4 families will have an immediate member diagnosed with cancer.
The American Heart Association reports that men have a 1 in 5 (20%) chance of suffering a heart attack prior to 65. The lifetime risk of stroke for men is 1 in 6 or (17%).
For women these stats are 1 in 8 (13%) will experience a heart attack and they have a 1 in 5 chance (20%) lifetime risk of stroke.
Find out why we recommend that everyone purchase these valuable policies that help with the costs of treating these debilitating diseases.
65% of the TOTAL cost to experience/treat Cancer and Critical Illnesses (Stroke and Heart Attack) is NOT covered by Major Medical Health Insurance!!
ASK HOW YOU CAN SAVE UP TO 50% ON OUR CANCER PLANS!
Captive Reinsurance
Many small and medium-sized businesses are unaware they can create and own their own insurance company.
Why Own a Captive Reinsurance Company?
- Manage business risks
- Protect assets
- Participate in underwriting profits from premium
Reinsurance is a tool used in all 50 US states 92% of Fortune 500s use some for of captive insurance 90% of Automobile Dealers use reinsurance for extended warranties
This US tax code provision was enacted by Congress as part of the 1986 Tax Reform Act signed into law by President Ronald Reagan
Captive insurance companies are formed to supplement commercial insurance, allowing companies to retain the money that would otherwise be spent on insurance premiums. Source: IRS.gov
Our Team
Our team of consultants is made up of experienced professionals with diverse backgrounds and areas of expertise. We bring a wide range of perspectives to every project, ensuring that we deliver the best possible results.