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Auto & Insurance |
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Personal Insurance Plus is a program designed especially for the small to medium sized employer. For many years, large corporations have been able to offer their eligible employees big group benefits,
such as savings on quality auto and home insurance with the convenience of payroll deduction. |
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How Does The Employer Benefit?
- The opportunity to offer a benefit that saves your employees money
- No financial contribution by the employer
- Attract and retain employees
- One-way hold harmless agreement for the employer
- Agency does all the enrolling
How Does the Employee Benefit?
- Reduced auto and home rates
- No down payments
- No installment service fees
- Available to all family members in the household
LIFE INSURANCE
- Contributory - Employer pays for employees life insurance
- Voluntary - Employees pay for life insurance
- Term - Provides life insurance for a specified time such as five, ten, fifteen, or twenty years; and therefore, are not considered permanent insurance. Term insurance has no cash value and does not have a savings element. Term insurance is usually appropriate when the maximum amount of life insurance protection is needed at the lowest cost.
- Whole Life - Provides lifetime protection (the whole life) and is considered permanent insurance. Whole life policies are usually appropriate when lifetime protection is needed and when a savings element (a cash value that can be borrowed) is desired.
- Universal
- Key Person
- Variable Life
- Buy/Sell Agreements
DISABILITY INSURANCE
- Short Term Disability
- Long Term Disability
- New York State Disability
- Long Term Care
DENTAL INSURANCE
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