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Financial protection for your employees and their families in the event of a serious accident or illness is what we specialize in. We help provide benefits to companies located in Florida, Ohio, Georgia, Tennessee, Illinois, California, Colorado, Arizona, South Dakota, New Jersey, New York and Louisiana. We know and fully understand that your employees are your most valuable assets. As a full time broker for supplemental benefits we are able to effectively present and educate employees and employers about their benefit options in an objective, user-friendly manner so our clients can select the best plan for their needs and budget. We are very proud to represent the nation's top insurance companies for supplemental benefits. Aflac and Allstate Benefits are the trusted companies we utilize to help protect your employees.
Hospital Confinement Insurance
Why Do I Need Life Insurance?
Life insurance is an essential part of financial planning. One reason most people buy life insurance is to replace income that would be lost with the death of a wage earner. The cash provided by life insurance also can help ensure that your dependents are not burdened with significant debt when you die. Life insurance proceeds could mean your dependents will not have to sell assets to pay outstanding bills or taxes.
How much Insurance do I need? Before buying life insurance, you should assemble personal financial information and review your family's needs. There are a number of factors to consider when determining how much protection you should have. These include:
any immediate needs at the time of death, such as final illness expenses, burial costs and estate taxes; funds for a readjustment period, to finance a move or to provide time for family members to find a job ongoing financial needs, such as monthly bills and expenses, day-care costs, college tuition or retirement.
Although there is no substitute for a careful evaluation of the amount of coverage needed to meet your needs, one rule of thumb used is buy life insurance that is equal ten to twenty times your annual gross income.