Our Products

Products For Employers

Health Insurance

Our clients rely on us to educate them through a constantly changing group health insurance environment. Most want to offer this important benefit, but aren’t certain how the Affordable Care Act (ACA) impacts their current health plan. That’s why they trust us to advise them on complex issues such as ACA, ERISA, COBRA, and other compliance requirements.

Dental Insurance

Did you know that employers offering dental coverage for their employees have a more productive workforce? It’s true! Tooth problems are one of the leading causes of missed workdays and reduced productivity by employees (Source: Washington Post). Offering a group dental plan allows employees and their families a chance to take care of their dental problems before they turn into more serious and costly procedures.

Short Term and Long Term Disability

How many of your employees could pay their bills if they were out of work for 3, 6, or 12 months due to a disability? Most employees have little or no savings should a disability occur. Statistics show that nearly 18.5% of Americans are currently living with a disability, and 1 out of every 4 persons in the US workforce will suffer a disabling injury before retirement. Group disability coverage can provide financial protection when employees need it most.

Life Insurance

Financial experts recommend that people obtain at least 10x’s their household income in life insurance coverage. However, your typical employee is covered for substantially less than this amount. By adding employer-paid and voluntary life insurance plans employees and their families will be able to cover expenses arising from an untimely passing. These expenses include burial costs, household bills, tuition fees, and many more.

Buy/Sell Insurance

A buy-sell agreement is a contract that provides for the future sale of your business interest or for your purchase of a co-owner’s interest in the business. Buy-sell agreements are also known as business continuation agreements and buyout agreements.

Key Person Insurance

You’ve got a great group working for you now, and business is good. You know that much of that success is due to one or two key people with both skills and personalities that are hard to match. Suppose they were injured and out of work for a while, or suppose they died? Would your business survive? Key employee life and disability insurance coverage can help make sure that it does.

Products For Individuals

Medical Insurance

Buying health insurance is more than just finding the cheapest premium. You want to be sure that the coverage will protect you and your family and avoid any unexpected medical expenses that you thought would be covered. Should you buy a plan through the Federal Exchange (Obamacare)? How do you know if you qualify for a premium assistance (subsidy)? Are “off-exchange” plans a good choice for you? Finding the plan that meets your needs is our first priority!

Medicare Supplements

A Medicare Supplement Insurance plan, sold by private insurance companies, can help pay many of the health care costs that Medicare Parts A and B do not pay. Examples of these expenses include copayments, coinsurance and deductibles. Some Medicare Supplement Insurance plans offer coverage for additional services such as medical care when you travel outside the U.S.

Short Term Medical

Short-term medical insurance is a type of medical coverage that is available for a shorter duration of time, such as up to three months. Short term plans have more restricted coverage than major medical but also can have a lower premium cost.

International Travel Insurance

We can help you stay protected even while traveling internationally. International travel insurance provides coverage for any unexpected injuries, illnesses, or travel risks while you are abroad.

Dental Insurance

Individual dental insurance is full coverage dental insurance that can be purchased for an individual or a family. In many cases, an employer may not provide dental insurance or a self-employed person may be in need of dental insurance. Individual dental plans provide a way for you to obtain dental insurance outside of your employer.

Vision Insurance

Vision insurance and vision plans can significantly lower your cost of eye care and prescription eyewear, as well as help you maintain healthy vision through routine eye exams.

Disability Insurance

Protect your paycheck with disability insurance! Disability insurance helps by paying you a percentage of your earnings when you can’t work due to a qualifying illness or disability. Most families don’t have enough money saved up to pay their bills if they are out of work for 30 days or longer. Not only does disability insurance help you cover your bills, it also helps you pay your monthly household expenses such as groceries and gas while you are unable to work.

Long Term Care

Unlike traditional health insurance, long-term care insurance is designed to cover long-term services and support, including personal and custodial care in a variety of settings such as your home, a community organization, or other facility.

Questions? Get In Touch!

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12 Surrey Ct
Columbia, SC 29212

Phone

(803) 750-9015
(800) 638-9625 Toll Free
(803) 750-9168 Fax