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Life, health & benefits insurance throughout New Jersey.
The cost of benefits is rising significantly, while employees consistently seek more from their benefits packages. We can design an employee benefits program that makes sense for your company and your employees, as well as for individuals.
Our experienced benefits professionals take the time to understand your business. They bring bold thinking and industry expertise to help you stay on top of regulations and economic trends and focus on your first priority—recruiting and retaining the best employees. We also specialize in providing life and health insurance policies to individuals.
See Employee Benefits
Which life, health and benefits are right for your business?
Explore how employee benefits can help attract, retain and protect your team.
Providing for Your Family
Risk Factor
Raising a child is a rewarding and important life experience. It is also very expensive. The average cost of raising a child, born in 2013, to age 18 is more than $300,000. If you were to die tomorrow, would your spouse be able to provide food, clothes, daycare, and eventually college tuition for your child? In 2013, the average cost of tuition, fees, room and board for a private college was $41,412 per year.
Solution
Having life insurance could secure the future for your children if you have an untimely death. With a life insurance policy, there would be enough income to help pay for everything your child could need while growing up.
Mortgage Payments
Risk Factor
After your death, any outstanding debt and financial obligations do not disappear. Your home is probably the costliest and most significant property you own. A mortgage payment is a large burden for a widow or widower to carry.
Solution
A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on the home and car(s).
Auto Payments
Risk Factor
Many families lease or finance their automobiles these days. If the primary earner in the family were to die, the family could be left with outstanding car payments for years to come.
Solution
A life insurance policy would allow your spouse or children to pay off your outstanding debts and spare them the stress of making monthly payments on your car(s).
Funeral Costs
Risk Factor
The average funeral costs about $10,000. That high price is for standard things, not unnecessary options or luxurious services. A death in the family is stressful enough; why add the hefty bill of a funeral to that stress?
Solution
A life insurance policy can easily cover the cost of a funeral. Your family will be able to think of you and have peace of mind without being burdened by funeral costs.
Protecting Your Retirement Savings
Risk Factor
Once you retire, you will be living off social security, and if you are lucky to have them, a pension or retirement fund, too. But what if the surviving spouse has been relying on you to fund retirement for the couple? Premature death of an earner can affect sources of retirement benefits such as Social Security benefits.
Solution
Life insurance can help support a surviving spouse during his or her retirement.
Protecting Your Small Business
Risk Factor
If you passed away, would your business suffer? There are many complications and financial issues that can arise due to the death of a business owner. Many people overlook this predicament.
Solution
A life insurance policy can keep a business moving along even during tough times, such as the loss of the business owner/partner. Key person life insurance is payable to the company and provides money for training and hiring of a new employee. A buy-sell agreement, funded by life insurance, allows the other partners in the business to buy the deceased’s share of the business, which will provide money for his or her family.
Spousal Support / Income Replacement
Risk Factor
Many people mistakenly think that they don’t need life insurance if they don’t have children or if their children are grown. However, your financial responsibilities fall to your family when you are gone.
Solution
Life insurance can replace the income you would usually bring in and help support your spouse or adult children. Keeping your loved ones living in the way they are accustomed to is an important thing to think about.
Group Health Insurance
In general, group health insurance is the first priority for employees and is the second largest expense for employers behind payroll. We'll help you navigate the healthcare process so you can hire and retain top talent.
Group Dental Insurance
Offering your employees a comprehensive dental plan adds an attractive element to your benefits package. We'll work with you to design coverage that gives your employees dental care at a reasonable cost.
Group Vision Insurance
Good eye care can help diagnose more serious health problems. We'll help you find a vision plan that works for you and your team.
Disability Insurance
Disability insurance protects your employees from a temporary loss of income and is a fundamental part of a quality employee benefits package. We'll implement a plan structured just for you.
Flexible Spending Account
Healthcare can get expensive. We can enhance your employee benefits package with a Flexible Spending Account that helps your employees save money on everyday healthcare expenses.
Employee Assistance Plan
An employee's emotional well-being can affect work performance, impacting the company's bottom line. We'll help you design a program that supports a happy, healthy and productive workforce.
Group Voluntary Benefits
Even if you're unable to offer healthcare benefits, you can give your employees the opportunity to secure valuable coverage at significantly lower rates than they'd pay as individuals. We'll help you give your employees more.
Life and Accidental Death and Dismemberment Insurance
Some employees may want coverage that goes beyond life insurance or workers' compensation. They want to be covered in the event of an accident, on or off the job. We can provide that added financial protection.
Long-Term Care Insurance
Offering long-term care insurance as an employee benefit can be an integral part of your strategy to recruit and retain the best talent, contain costs, and enhance employee productivity. We'll guide you through the process.
Child Life Insurance
No one wants to consider the unthinkable, so talking about child life insurance can be difficult. But, there are advantages to this type of coverage that you might not be aware of. We'll talk you through the basics of a child life insurance policy to help you decide if it's right for your family.
Individual Health Insurance
For those who don't have employer-sponsored health plans, an individual health insurance policy is a necessity. We'll help you sort out the confusion of co-pays, coinsurance and other considerations and create a policy that fits your life.
Individual Dental Insurance
Taking care of your teeth is part of being healthy. We'll work with you to design coverage that gives you dental care at a reasonable cost.
Medicare Supplement Insurance
Medicare supplement insurance can be a complicated topic. Our experts can help you to determine which plan is the best fit for you.
