Attract, retain and protect your team.
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.
Which life, health and benefits are right for your business?
Explore how employee benefits can help attract, retain and protect your team.
Raising a child can be a rewarding life experience, but it is also very expensive. It costs hundreds of thousands of dollars to raise a child to age 18, with college tuition, fees, room, and board resulting in another potentially enormous expense. If you were to die tomorrow, would funds be available to provide for food, clothing, day care, and educational expenses for your child?
Having life insurance could secure the future for your children if you have an untimely death. With a life insurance policy, there could be enough income to help pay for everything your child might need while growing up.
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 spouse or partner to carry.
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.
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.
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).
An average funeral can cost tens of thousands of dollars, and that's without unnecessary options or luxurious services. A death in the family is stressful enough; why add the hefty bill of a funeral to that stress?
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.
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.
Life insurance can help support a surviving spouse during their retirement.
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.
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.
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.
Life insurance can replace the income you would usually bring in and help support your spouse or adult children, ensuring your loved ones are able to maintain the lifestyle they're accustomed to.
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.
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.
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.
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.
Group 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.
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.
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.