Dental Insurance

Dental insurance can be divided into 2 categories, traditional reimbursement dental plan and reduced fee for service dental plan (DMO).

Traditional dental insurance allows you to visit any dentist you wish and your reimbursement is based on a fee for service schedule.

Reduced fee for service dental plan has a provider panel which must be utilized in order to receive a reduced fee (10-35%) off normally charged prices.

We represent a number of dental carriers which offer a variety of plan options including:

Dental Carriers

• Cigna
• Assurant
• MetLife
• AIG
• Aetna

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Life Insurance

Group Life Insurance is a low-cost insurance benefit to offer your clients.  Features of Group Term Life Insurance include:

• Low cost
• High levels of coverage
• High issue amounts
• AD&D coverage
• Accelerated benefits for terminal illness

We represent a number of life carriers which offer a variety of plan options including:

Life Carriers

• AIG Companies
• Cigna
• Assurant
• The Hartford
• MetLife
• Lincoln Financial

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Long and Short Term Disability

Long and Short Term Disability provide an income benefit for individuals who become disabled after meeting a specified elimination period.  A typical LTD policy design contains 180 day elimination and pays 60% of income to $6,000 a month.  A typical STD policy covers the first 180 days after 8 day elimination.

We represent a number of disability carriers which offer a variety of plan options including:

STD/LTD Carriers

• Assurant
• The Hartford
• MetLife
• Provident
• AIG Companies

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Vision Insurance

Vision insurance is a form of group insurance that provides coverage for the services rendered by ophthalmologists and optometrists.  A typical vision insurance plan provides yearly coverage for eye exams and partial reimbursement for eyeglasses and contact lenses.  Vision insurance is often added to round out a benefit offering.  Two vision carriers we use are AIG and OBM.

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Special Risk Coverage

We have markets for special risk coverage’s including International Medical, Travel Accident, Sports Accident and Other Camper Policies.  Please contact us for details.

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Voluntary / Work Site

Work site benefits are voluntary ancillary benefits designed to provide coverage for specific benefits or needs.  These types of programs include: Specified Disease coverage, Personal Accident Policy, Hospital confinement indemnity, Prescription Discount Programs and Employee Assistance Programs.

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