Products and Services
Group Health Insurance
One of the challenges with providing health insurance for your workforce is cost. Health care costs are rising all for everyone – for physicians, insurance companies, and consumers. But that doesn’t mean there aren’t any affordable options available. It’s actually easier to find affordable group health insurance coverage than you might think. Businesses of all sizes have a variety of group health plans to choose from and we can help you sort it all out.
Dental Insurance covers routine, base and major services. Routine care can prevent bigger problems down the road. Plans also cover costs such as fillings, x-rays, crowns, bridges, dentures and minor extracts. We offer a broad range of plans to meet the needs of your company and your employees.
In the event of a tragedy, Life Insurance proceeds can help pay bills, finance future needs like children’s education, protect a spouse’s retirement plans, and much more. We can help you determine the type of policy that is right for you.
Disability Insurance provides protection when a person is unable to work, because of accident, illness or other cause. There are many different disability insurance products are available to help protect against the financial hardship that may accompany a disability.
Individual Health Insurance
Individual Health Insurance can be purchased in situations where a group plan isn’t possible. Finding the right Individual Health plan can be a complicated process, since there are many options available. We will help you find the plan that is perfect for you.
As a small business owner you are responsible not only for the welfare of yourself and your family but for many others as well, including partners, employees and customers. Whether you run your business out of your home or from an office, factory or warehouse, a well-conceived insurance and benefits program is essential. We offer many options, including:
- Executive Bonus Plans
- Deferred Compensation Plans
- Buy Sell Agreements
- Buy-In Disability Insurance
- Kidnap & Ransom Insurance
- Travel/Accident Insurance
- Pension Completion
- Loan Indemnification
- Business Overhead Expense
- Carve Out Insurance
- Health Reimbursement for Executives & Owners
- Key Person Insurance
Offering benefits to your employees will attract a higher caliber of worker and make your company more successful and more profitable. When an applicant looks for employment, the two most important factors they consider are salary and benefits. Employee Benefit Specialists, Inc. will help you recruit and retain quality employees by setting you up with an affordable and attractive employee benefits package.