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Life & Annuities – Racine, WI

Protection for you and your employees.

Life and annuities in Racine, WI and throughout all of Wisconsin and Illinois.

Life insurance is the foundation when planning for your family’s financial security. It allows families to remain secure and allows you to keep your future promises…today, should anything happen. Annuities can also be a valuable investment for your future. We can design a program that makes sense for your family or your employees.

Finding the right life insurance products and annuity products can be challenging in today’s insurance and investment environments. As your insurance advisor, we can help you make sound, informed decisions about issues affecting your specific needs. Our philosophy is to fully understand your objectives and then translate them into solutions that provide assurance and peace of mind.

Which employee benefits are right for your business?
Use the yellow hot spots and explore how employee benefits can help attract, retain and protect your team.
Employee Benefits
Group Health Insurance
Risk Factor

One of the main factors in attracting and retaining good employees is the benefit program offered by employers. This typically starts with your group health insurance plan.

Solution

Regardless of the company’s financials, there are ways to make health insurance available to your employees and their dependents. Offering health insurance doesn’t have to break the bank. There are many solutions available to small, mid-size, and large employers.

Group Life Insurance
Risk Factor

When employees are worried about their financial situation, they may not be as productive. Many individuals today do not have life insurance or adequate savings to cover final expenses, which places additional stress on employees and/or their families when the need arises.

Solution

A group life insurance plan can put your employees’ minds at ease, knowing their family will have resources available when they need them. Policies can also include a dependent benefit to help the employee pay for expenses if their dependent passes. Another solution is to offer a voluntary life benefit whereby the employee pays a lower premium through payroll deduction than they would if they found coverage on their own. Group life insurance is also tax deductible.

Disability
Risk Factor

Many employers are faced with offering lower wages than their competitors and find it difficult to find and retain qualified workers.

Solution

Offering a short-term and/or a long-term disability program can provide prospective and current workers with another form of financial stability. An employee may be offered a higher wage elsewhere, but are they offered protection if that paycheck stops due to pregnancy, illness, or other disability? How will they pay the mortgage or other bills? Employers offering a disability plan can provide peace of mind to their employees and gain an advantage over those that don’t.

Group Dental Coverage
Risk Factor

Failure to have regular dental checkups can lead to more serious problems than a toothache.

Solution

Offering dental coverage to your employees can help encourage them to see a dentist on a regular basis. Gum disease has been linked to heart disease as well as diabetes. Catching these issues early not only helps your employees’ health, it may help reduce your long-term health insurance costs before a big claim hits!

Vision Care Coverage
Risk Factor

Similar to dental coverage, if your employees are not getting regular eye exams, they may have underlying medical conditions such as heart disease or diabetes that can surface later at a greater expense to your medical plan.

Solution

Offering vision care coverage is a very affordable component to offering health benefits. It’s an inexpensive portion of the benefit package with a high value of return and can help offset the impact of increased medical costs, becoming a cost-effective, early intervention tool.

Voluntary Coverage
Risk Factor

Not being able to meet an employee’s individual needs can pose a threat to worker retention and attracting new talent, both of which can be costly to your bottom line.

Solution

Offering voluntary coverage lets your employees choose benefits that are important to them. It’s a cost-effective way to provide a variety of benefits at little or no impact to your monthly premiums. Examples of voluntary coverage include:

  • Critical illness, hospital indemnity, and cancer coverage.
  • Life, dependent life, short-term, and long-term disability coverage.
  • Dental care.
  • Vision care.

Compliance Audits
Risk Factor

Compliance audits are increasing and Department of Labor fines can be costly. Do you have all of the documents and paperwork at your fingertips should you receive an audit letter?

Solution

A good benefits broker will educate you on the compliance pieces so that you are prepared for that dreaded day. A wrap document covers most of what is required and the remaining forms should be readily accessible with proof of distribution to employees and/or eligible participants.

Group Life & Health

Group Health Insurance

In general, group health insurance is the first priority for employees and is the second largest expense for employers behind payroll. We’ll help you navigate the healthcare process so you can hire and retain top talent.

Group Dental Insurance

Offering your employees a comprehensive dental plan adds an attractive element to your benefits package. We’ll work with you to design coverage that gives your employees dental care at a reasonable cost.

Group Vision Insurance

Good eye care can help diagnose more serious health problems. We’ll help you find a vision plan that works for you and your team.

401(k)

A well-designed and well-managed 401(k) plan is a great way to attract and retain quality employees. We’ll help design a 401(k) plan that gives your business a competitive edge.

Disability Insurance

Disability insurance protects your employees from a temporary loss of income and is a fundamental part of a quality employee benefits package. We’ll implement a plan structured just for you.

Flexible Spending Account

Healthcare can get expensive. We can enhance your employee benefits package with a Flexible Spending Account that helps your employees save money on everyday healthcare expenses.

Employee Assistance Plan

An employee’s emotional well-being can affect work performance, impacting the company’s bottom line. We’ll help you design a program that supports a happy, healthy and productive workforce.

Group Voluntary Benefits

Even if you’re unable to offer healthcare benefits, you can give your employees the opportunity to secure valuable coverage at significantly lower rates than they’d pay as individuals. We’ll help you give your employees more.

Life and Accidental Death and Dismemberment Insurance

Some employees may want coverage that goes beyond life insurance or workers’ compensation. They want to be covered in the event of an accident, on or off the job. We can provide that added financial protection.

Long-Term Care Insurance

Offering long-term care insurance as a employee benefit can be an integral part of your strategy to recruit and retain the best talent, contain costs, and enhance employee productivity. We’ll guide you through the process.

Individual Life & Health
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Individual Life Insurance

You can’t put a dollar amount on your family, but you can ensure their future is protected. We can’t predict when the unexpected will happen, but we can help you prepare for it when it does.

Child Life Insurance

No one wants to consider the unthinkable, so talking about child life insurance can be difficult. But, there are advantages to this type of coverage that you might not be aware of. We’ll talk you through the basics of a child life insurance policy to help you decide if it’s right for your family.

Individual Health Insurance

For those who don’t have employer-sponsored health plans, an individual health insurance policy is a necessity. We’ll help you sort out the confusion of co-pays, coinsurance and other considerations and create a policy that fits your life.

Long-Term Disability Insurance

Serious illnesses or accidents can come out of nowhere. They can interrupt your life, and your ability to work for months – even years. We’ll make sure you have financial support to manage your disability and your household.

Medicare Supplement Insurance

Medicare supplement insurance can be a complicated topic. Our experts can help you to determine which plan is the best fit for you.

Annuities

Annuities can be a valuable investment, but there are risks to consider. Our experts will help you decipher the different types of annuities so you can decide whether this type of investment is right for you.

Individual Retirement Accounts

IRAs are a powerful resource in helping you reach your retirement savings goals. Our experts will show you how an IRA can help you reach your retirement goals and which IRA type may best help you save on your taxes.

Individual Long-Term Care Insurance

Long-term care insurance may be your best option if you develop a chronic illness or become disabled and can no longer care for yourself for an extended period of time. We’ll help prepare you for the unexpected.

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