The rising cost of health insurance is a topic on every business owner's mind today. The cost of offering many health insurance programs has been increasing by 20% each year. We understand that health insurance may be the most important benefit that you offer to your employees and for that reason we are constantly researching new ways to improve your level of coverage, increase your level of service, and save you a considerable amount of premium.

Independence Blue Cross/Blue Shield offers some tremendous advantages including increased flexibility, ease of use, the ability to protect all of your employees regardless of any medical history, and the financial strength to assure you that they will be there to support you when you need it most. What most people don't know is that there are currently over 90 available plans under the BC/BS umbrella. Our knowledge and experience can be very beneficial to you as we will develop a unique plan design to allow you to maintain the benefits you require while lowering the overall cost.

We also have the ability to design a tailored plan using carriers like Aetna US Healthcare, Oxford, Fortis, John Alden, and others that may be a better match for your needs at a lower cost. Every business is unique and the health insurance benefits that you require are unique as well. Why pay for benefits that you don't need? Why not receive benefits that you do need when you can afford them given the proper plan design? Please enter your information below and you will contacted by one of our Health Care Specialists.

Having the proper amount of life insurance in place is one of the most responsible decisions that you can make to take care of your family and loved ones. Group Life Insurance is one of the most beneficial additions to an employee benefits package. The purpose of Group Life is to provide a substantial death benefit for all participants at a minimum price and with very minimal or no health underwriting. This could be the only way for all of your employees, whether in good health or bad, to obtain at least some level of protection for their families and loved ones in the event of their death.

Today, many people depend on their employers to provide a level of life insurance protection in addition to their personal life insurance. We understand the differences between the various types of policies, carriers, guidelines, and regulations. Life Insurance rates are at an all time low, allowing us to work with you to design a Group Life insurance program that achieves all of your goals while minimizing your cost.

Due to recent articles in Money Magazine, Fortune, and several other major publications, disability insurance has become a very important benefit for retaining and attracting new employees. Due to the many contractual definitions found in the wording of disability policies it is extremely important that you work with experts that understand every detail of what differentiates one disability policy from another. We can offer you Short Term and Long Term Disability with the best insurance carriers in the world at the best rates available. We will explain the differences in coverage from one carrier to another to ensure your satisfaction and will work with you on an ongoing basis to service any claims that arise.

In an ideal world, employers would pay for comprehensive benefits to cover all of their employees' needs. We understand that this has become more and more difficult due to the rising cost of comprehensive benefit packages. For this reason we have become experts on supplemental benefit package programs to allow employees to purchase individual coverage at a reduced rate dependent upon the size of your organization. Many of these programs offer discounts from 25% to 50% per participant and the company does not have to pay anything. This is one of the many ways that we can substantially reduce a company's cost while still satisfying the needs of their employees and creating a positive work environment.