What We Do

We can reduce the complex conversation about risk management to a simple question. What can you least afford to lose?

Whether your objective is to keep or attract employees or putting together a plan to continue your business if you can’t. Or simply insuring your income or your life, we can help.

Dennis has 40+ years working with business owners to protect their families or their businesses from the risks of life.

We have worked with 100’s of small businesses putting together plans to keep the employees or to protect it from the loss of an owner or key employee.

Key things we offer:

1. Life and Health Insurance products including

• All forms of life insurance from Term Life to Universal Life and Whole Life
• Personal Disability Income Plans
  • Individual Disability
  • Group Disability Wrap Plans
  • Business Overhead Disability
  • Mortgage Protection
• Long Term Care
• Annuities – Single Premium or deferred
• Retirement plans
• Business uses of life insurance and disability
  • Key Person Life Insurance
  • Key Person Disability
  • Loan or Mortgage Life or Disability

2. Employee Benefits for smaller businesses. We focus on small group companies with fewer than 50 employees although we do work with companies with 100+ employees.

• OnLine enrollment, administration and management of your benefits
• Small group Fully Insured Medical
• Small Group Self Insured Medical
• Dental
• Group Life & ADD, Group Short and Long Term Disability
• Voluntary Products
• One on One Benefit Counseling with your people
• Retirement Plans
• Key Person plans to protect the business from their loss due to death or disability
• Golden Handcuff Plans to retain key employees