The rising cost of healthcare has made it more and more difficult for employers to provide quality health care benefits at an affordable price.

Can't bear the increased cost of your employee contribution at work? Have you lost your coverage entirely? It may be tempting to run the risk of being uninsured, but a single medical emergency could result in financial disaster.

Fortunately for you, a family or individual health insurance policy is more affordable than you think. From covering doctor’s appointments to making emergency room visits, we can design a health insurance program to fit your individual needs and budget.

How will you provide for your family's needs in the event of your death? A life insurance policy can provide protection against the loss of income and provide funds for final expenses. Whether you’re 25 or 65, we can customize a plan to meet your needs.

Term Life Insurance: Guaranteed level premiums, guaranteed level death benefit, coverage for a specific period of time, convertibility options, return of premium option, tax-free death benefits, disability riders.

Permanent Life Insurance: Guaranteed level premiums, guaranteed level death benefit, flexible premiums and death benefits, cash accumulation — guaranteed and current interest rates, coverage for life.

Original Medicare, which includes Part A Hospital Insurance and Part B Medical Insurance, pays for many — but not all — health-related services and medical supplies. However, you can purchase an insurance policy to cover “gaps” that are not paid for by Medicare, including costs like copayments, coinsurance, and deductibles.

These can add up to a lot of out-of-pocket expenses, especially if you are hospitalized or need skilled nursing home services. Medicare Supplement Insurance is also commonly called Medigap, and meets minimum standards set by state and federal law. Prescriptions may be covered under the Supplemental policy you choose, or we can guide to purchasing a Prescription Insurance policy.

Looking to invest in your retirement? The time is right! We offer both fixed and indexed annuities, or annual sums paid to you. Indexed annuities are very popular in today's market, because they offer you the upside of market conditions and protect you against risk of loss of principal and interest. Some of these products offer bonuses of up to 20% of your original deposit, which can help you recuperate some of your market losses.

We can help you manage all aspects of your group benefit plan as well. We will help you design your organization’s benefit plan to provide the richest benefits at the lowest cost. We provide the following services to our employer groups:

• Marketing
• Enrollment
• Plan Administration – Adds, Deletes, and Billing
• Customer Service
• Claims Retention

What would happen to your family if you were unable to work? Could you pay your bills or save for larger expenses? We offer Short Term and Long Term disability policies to protect your family’s well-being in the event of a debilitating illness or injury that leaves you unable to work.

70% of Americans that reach the age of 65 will need long-term care! Illness, stroke, or injury can strike at any time, and the consequences of not preparing properly for in-home or nursing home care can take a large financial toll. Whether you need to purchase traditional long-term care insurance, or want to find a way to maximize current assets to pay for future care, we offer solutions that can:

• Utilize qualified or non-qualified funds
• Have attractive tax advantages
• Maximize benefits
• Guarantee 100% of your initial funds
• Provide coverage for life

The cash you deposit is always accessible, free of charge. And, beneficiaries receive an income tax-free legacy that is much greater than your original deposit.

Seeking comprehensive coverage for your employees? We have many options available to help large and small businesses. For employers and employees of small groups (50 employees or less) and large groups (51+ employees) based in Florida, we provide HMO, PPO, Point of Service, and Dual Option policies.

Recently, we've partnered with Zane Benefits, allowing us to provide Florida businesses with new health reimbursement arrangements and defined contribution solutions. Additionally, we offer many additional products and services that are available to supplement health plan coverage, so we’re sure to have something that fits your organization’s needs.