A. We handle all issues concerning claims, billings, changes, etc., eliminating the need for you to call The Insurance Company direct. This eliminates a lot of confusion for you as a policyholder and allows for quicker answers/response to you and your employee's needs. Often times it can be frustrating for an employee to be placed on hold for several minutes and to be transferred numerous times to get issues resolved.

B. Our phone number is available to all your employees. This permits your employees to keep their confidential concerns private.

C. If the need arises, we would be happy to sit down with your employee(s), at their convenience, to answer any and all questions concerning benefits, claims, etc.

D. We have serviced group insurance accounts and worked with many carriers for over 15 years.

E. Our knowledge of many different carriers allows you to be assured that your rates and plan designs are competitive in not only today's marketplace but also in the future as new plan designs and concepts are developed.

F. We will be able to provide you with a cost comparison of select companies at renewal time in an effort to assure that your rates and plan design are competitive with the marketplace.

G. Our experience in all areas of group benefits such as group health insurance, Section 125 plans, short-term & long-term disability, group long-term care, and visiona, dental, and life insurance allows us to assist you in designing the right plan. The right plan enables you to attract and retain the vital employees necessary to facilitate the growth and operation of your business.

II. Unique & Traditional Benefit Options

1. Group Health Insurance Blue Cross, HUMANA, Priority Health, AMS, UNUM, Fortis, Principal.
   
2. Group Life Insurance Guardian, Fortis, UNUM, and others
   
3. Group Disability Short-Term Guardian, Fortis, UNUM, and others
   
4. Group Disabiltiy Long-Term Guardian, Fortis, UNUM, and others.
   
5. Group Dental Guardian, Blue Cross, Humana, and others.
   
6. Section 125/Cafeteria Plans Basic, AFLAC, and others
   
7. Group Vision Blue Cross, Guardian, VSP
   
8. Non Traditional Options: Ask us about low-cost, creative alternatives!

III. Renewal

A. Annual employer meetings to review the current plan's cost and benefit design with
those of other plans available.

B. Annual employee meetings, if warranted, to review benefits in detail with the employees. This works well also for "questions and answers".