Health and Life

• Life Insurance
  Our leadership team is highly qualified to assist large and small businesses alike. Members of our leadership team serve on the broker advisory boards of many of the major insurance companies. Managing partner Gary Dobson holds a Chartered Life Underwriter certification, the highest level designation in the life insurance profession. Founder Dalton Mackey and managing partner Jason Mackey are both Chartered Benefit Consultants and Certified Wealth Preservation Planners. The latter designation shows that an advisor has more extensive knowledge of wealth preservation and asset protection topics.
• Health Insurance
  We can help you set up an employee benefits program that’s as simple or comprehensive as you prefer. When it comes to covering your employees, we only work with insurance carriers that will serve your best interests. We help you control the cost of health insurance through our expertise in benefits plan design and alternative types of funding opportunities that can help offset rising costs.
• Disability Insurance
  Even the smallest organizations can offer short-term and long-term disability plans that address their budget concerns while providing basic coverage to their employees, helping protect them and their families from financial hardship in the event of a covered disability... and helping rehabilitate and return such employees to a productive role as soon as possible. You can contribute to the cost of a disability benefit or choose to offer it as a voluntary benefit. Remember, sometimes disabilities don't just happen to other people. Here are some myths about disability: Myth: Social Security will take care of me. Fact: Social Security initially denies about 65% of all disability claims. Myth: It won't happen to me. I will stay healthy. Fact: Hopefully so! But during the course of your career, you're 3 1/2 times more likely to be injured and need disability coverage than you are to die prematurely. Myth: I would have to be totally disabled to receive benefits from such insurance. Fact: There are ways to protect your income in the event of a partial disability. Myth: Social Security will take care of me. Fact: Social Security initially denies about 65% of all disability claims. Myth: I can rely on my savings. Fact: Even with saving 10% of your total wages, one year of disability could easily wipe out many years of savings.
• Long Term Care
  Due to budget constraints, state governments have cut Medicaid reimbursements for long term care to its lowest levels in years. This compensation is not adequate to provide the services the government demands, so more and more long term care facilities are only accepting private pay. When a patient's money runs out, he or she is at at the mercy of the Medicaid system or forced to live with a relative. The solution? A long term care policy. We're proud to represent all the major providers.
• Dental Insurance
  Did you know dental insurance is the second most requested benefit by employees? Nearly 30,000 people each year are diagnosed with throat or mouth cancer, and the bacteria that causes common problems like gum disease and tooth decay may be a significant factor in those diseases. The same bacteria can contribute to other dangerous medical issues such as heart disease, infective endocarditis, strokes, and weakened immune systems if it spreads beyond the oral cavity. We represent many dental insurance carriers and can tailor a dental program to suit your needs. You can enhance your employee benefit program at no additional cost to you by implementing a voluntary dental program. Consider a few statistics compiled by the CDC that may apply to your employees and their families: ~ 9 in 10 adults over the age of 40 have tooth decay ~ Upward of 15% of adults are believed to have advanced gum disease ~ Nearly 1 in 4 adults over the age of 60 have lost all of their natural teeth ~ 1 in 4 children under the age of five already have a cavity ~ 1 in 2 children aged 6 to 18 have at least one cavity ~ Only half of children below the poverty line get treatment for their cavities

Personal

• Travel Insurance
  When you’re planning a trip, the last thing you want to think about is what could go wrong. One of the best ways to prepare for the unexpected is to purchase travel insurance, and there are numerous advantages to doing so.