Contact Us

Phone: (713) 681-2500

Fax: (713) 684-1600

Email: Send Email

facebook  twitter

Community Outreach
ribbon
STORM SEASON
Important Note:

June through November our agency may become prohibited from binding coverage should a “Tropical Disturbance” enter the Gulf of Mexico or Caribbean Sea.

In these cases we may be unable to bind new coverage quoted in open proposals until the storm leaves our area and our binding authority has been restored.

Please arrange your coverage protection early to avoid this type of delay. While we regret any inconvenience, the carriers impose these restrictions on all agencies.

Check your Home Insurance to Be Sure You Are Protected From Disasters

Fewer than 22% of homeowners see changes in the environment or natural disasters as being an important factor to consider when updating their homeowner’s insurance coverage.

This information was found in a new study done by the National Association of Insurance Commissioners (NAIC). With the increase in natural disasters, the NAIC encourages homeowners to think about their risks and take the time to understand what coverages are included in their existing insurance policies.

For example, recent climate changes in the northern area of Nevada have been determined as the underlying cause of a catastrophic flood. State officials warn that the worst may not be over as they are preparing for additional flooding.

Another example: There is an increased risk for mud and rock slides because of erosion in the areas that have been affected by increasing wildfires.

Damage to your house or property caused by such disasters may not be covered by your homeowner’s insurance policy. Instead, you’ll need a special policy that offers specific coverage for things like flood insurance coverage.

Between 2005 to 2015 natural disasters caused roughly $24 billion in insurance claims. However, the study performed by the NAIC found that 56% of homeowners have not read through their homeowner insurance policies in over a year. Additionally, 14% are not sure if they have ever evaluated their plan.

It is important you review your policy with your agent to be sure you have the coverage you need.

Prior to Natural Disasters

We recommend asking yourself these questions each year:

Is my home in increased danger of:

* Floods,
* Wildfires,
* Earthquakes?

Next ask yourself:

* Has anything changed in my house?
* Has there been any change in the total number of people living in my house or the value of the personal belongings in the house?
* Have I added any major acquisitions such as art or other valuable belongings?
* Have I had any updates to the house such as renovations, an updated security system, or any other major changes to the home?

Then ask:

* Are there any new fire prevention or protection solutions offered in my area?
* Do I have a fire safety zone around my home? Has it been adequately maintained?

And remember, our team of insurance professionals is at the ready to help you. Please reach out if you have questions.

Small Businesses & Benefits: What You Need to Know

If you run a business with employees, employee benefits are a matter of major concern. Small, medium, or large company – if you have employees, you need to be well acquainted with your benefits options.

We know that great workers are drawn to firms that offer
attractive employee benefits. So what are the right benefits that will be most appealing to the kinds of workers you are trying to attract? And for that matter, what are the most relevant benefits you can offer based on your current employees?

The following are key employee benefits guidelines that will
help you hire and retain the best cost-effective workers:

1. Determine the kind of benefits required

The kinds of benefits you consider should be relevant to the kind of activities and risks your employees face. Benefits like wellness, life, vision, dental can be in the mix. It’s a good thing to talk with your employees, and develop a solid sense for what they will find most valuable.

2. Your Insurance Coverage Responsibilities

Working with an independent insurance agency and benefits specialist will help you find suitable benefits at a great rate. But finding and implement a benefits program requires more work.

The following are 3 important steps to follow to ensure employee benefits are to implemented successfully:

a. Deductions from the salary

The common practice today is that employees pay for benefits via their paychecks. It is your responsibility to ensure that this is done. Failure to follow up on this can have serious ramifications. Imagine a situation where the employee’s deductions haven’t been made for a number of months or even years. This can leave your company wide open to lawsuits and prosecution.

b. Workers who have Exited

The insurance coverage provider should be informed when an employee exits the company. This needs to be updated in a reasonable period of time. Otherwise, you may end up paying for benefits for employees that don’t exist.

c. New Employees

It is very important that you have a clearly defined process for new employees to become enrolled in your benefits plan. You also need to have excellent record keeping that tracks the benefits offered and the employee’s response.

3. Legal Compliance

Implementing a benefits plan can be fraught with legal implications. Laws governing benefits require that employee benefits must be offered by a company in a consistent manner. Things like ERISA, COBRA, and Medicare can all have an impact. Working with a rock-solid benefits consultant will ensure you navigate the benefits process while minimizing your risks associated with offering benefits.

And if you aren’t leveraging the expertise of a Benefits expert, please reach out to our team with questions. We’ll be sure to help connect you with the resources you need to help your company with whatever benefits challenges you face.

Can You Buy Life Insurance With a Pre-Existing Condition?

Having a pre-existing health condition such as heart disease, hypertension, diabetes, cancer, kidney or liver disease does not necessarily mean that you’ll be denied life insurance. However, it can create challenges including delaying the application process.

You can reduce the delays as well as ensure the best price possible if you have candid conversations with your life insurance agent and if you make sure you are working with an independent insurance agency.

These additional seven suggestions will help you streamline the process, especially if you have any medical problems in your history.

1. Plan Ahead

The process of getting life insurance is never fun so it’s understandable that you’d want to get this process done with as quickly as possible. However, if you have a pre-existing condition, it’s important to take the time to explain your needs. If you end up needing high-risk life insurance, you’re going to have to do more work to obtain this option.

You’ll likely need to submit documents including current prescriptions, letters clarifying your health, and even more comprehensive details from your doctor depending on your specific medical condition.

It’s wise to collect as much health information as possible before you speak with your independent life insurance agent so they can be as informed as possible as they work to help you find life insurance options for your specific situation.

Having this information handy will minimize any complications for your agent so that he or she can connect you with the most appropriate provider.

2. Work with a Trusted, Independent Agent

Having an independent representative is handy as these brokers can give you prices from more than one life insurance carrier. If you work with an independent agency, you’ll be able to see all of the plans you qualify for while saving you time by not having to research other insurance options on your own. Independent agents can do the work for you. (Captive agents work with only one insurance company.)

Your independent agent will guide you to the insurance carrier with the best options and most affordable premiums based on your past and current health history. The agency and agent you choose should be experienced on how to best handle your situation.

(Thankfully you can count on us to help get you moving in the right direction. If you have questions about life insurance, be sure to ask us.)

3. Be Candid About Your Health

Be as open as possible when you talk to your agent. These professionals are on your side and their actions are based on the information they obtain from you. Also remember, the best agent in the world can only act on what you’ve told them.

Detail every concern that you have. Having the proper diagnosis, treatments, and other medical details can help you a great deal. Understanding your medications in addition to your lab values is important as well. Provide the agent with anything that may be important regarding your condition.

This is crucial in getting accurate quotes and in determining if there’s in fact a life insurance option available to you based on your health situation.

4. Obtain Multiple Quotes

Take advantage of your agent’s ability to shop around for the best policy. The goal is to make sure that you have quotes from multiple companies. This comparison is incredibly important for high-risk situations because health may be evaluated differently from carrier to carrier.

After you receive quotes, ask your agent about each insurance carrier in case you’re not familiar with the company. You want to choose the company that you are comfortable with.

5. Pick the Appropriate Policy

Be mindful that with health conditions, you may be restricted in the type of insurance policy you can purchase.

For example, “guaranteed approval” life insurance policies may limit the coverage and may have higher premiums.

Have a candid conversation with your agent to fully understand your options before selecting a policy.

6. Take the Medical Exam

The best policy prices are saved for those who complete a medical examination. This is because the less that the life insurance carrier knows about your health, the more that it has to charge in order to cover the risk.

Many people who already have pre-existing conditions should still take the test because it may still flow in their favor, allowing them to secure better pricing than in a “no-exam” policy.

7. Talk to Your Doctor

Be sure your doctor knows you are working on obtaining a life insurance policy. If you have a pre-existing medical condition, an insurance carrier will likely request a doctor’s statement or APS to determine your health from the clinical documents.

Make sure that your records are accurate and current. Also, make sure your medical providers are watching for the document request(s) and that they will respond in a timely manner. This way they’ll be sure to send requested documents to the insurance company promptly.

Having any type of health problem in your medical history can result in greater scrutiny when you shop for life insurance. However, a small investment of time can expand your life insurance options while reducing the time you have to invest in the process.

One Insurance Mis-Step Can Risk Your Business

In 2008 Leo Welder started ChooseWhat.com. Within a year he was being sued by J2 Global for using the term “e-fax”. It was totally out of the blue and unexpected. Sadly, he found his insurance didn’t protect him from this claim. Yes, he purchased insurance but was missing coverage for intellectual property litigation.

Both companies eventually settled but only after Mr. Welder had invested hundreds of thousands of dollars in legal fees. (How many startups have that amount of capital freely available?)

After the lawsuit, Mr. Welder decided to add an E&O policy to help protect his company from these concerns.

No matter how smart you are or how diligent you are in caring for your clients, you can still find yourself in legal and economic problems. However, even with these concerns, many startups haven’t investigated getting necessary insurance for their risk profile. (Typically because they are either trying to save money or as an oversight.)

The critical thing to understand when contemplating risk management is that problems arise from gaps in protection. With that in mind, here are recommendations from business owners and insurance experts to avoid liability problems in a business.

Cover All Your Bases

Every organization needs basic liability insurance coverage. This can protect your business from a huge number of costs from libel to customer injuries. The average liability plan is one of the least expensive types of insurance protection you can own.

Most business owners admit that they avoid insurance to keep costs low. The question to ask… is it worth it? Be sure to talk to your insurance agent and review any needed changes for your risk profile.

Here are some areas of risk to ponder:

* Do you have company cars?
* Do you or employees drive personal cars for business related activities?
* Do you attend trade shows?
* Do you store client data online?
* Is your company dependent on a key employee?

The list above is an example of what an insurance advisor will walk through with you. What you’ll end up investing in insurance is going to depend a great deal on your specific risks. (If you run a business that has low liability footprint such as copywriting or consulting you’ll have a different risk profile than if you are a construction contractor.)

If you are just starting your business, take a close look at Business Owners Plan. This could include some or even all of these policies into one affordable package. In order to qualify, you’ll probably need to have a business that employs less than 100 workers and has less than $5 million in annual sales. These policies are designed specifically for start-up companies and smaller companies. They work to decrease your risk to lawsuits.

Important: Update Your Policy As Needed

Your company is always changing and insurance isn’t a one-size-fits-all situation. Be sure your insurance coverage keeps pace.

If your business size rapidly changes, if your employee count changes, if your services change… all of these are reasons to review your insurance.

The good news is that you don’t have to be a statistic. Yes, one insurance misstep can potentially damage your business. The good news is one call to our team can help you understand your risk profile and help you be certain you have the exact coverage you need for your company.

Who Pays For the Wedding?

Nearly all weddings can be quite expensive, the average wedding cost hovering around $28,000. Luxury weddings can easily cost $100,000 or more. (Your location has a huge influence on cost.)

* Rural weddings can cost an average $18,000…
* East Coast cities see an average cost of around $85,000…

These high costs have led to a dramatic increase in financing weddings.

Tradition has long held that the bride’s parents will cover the bulk of the costs but this is a heavy responsibility to bear that is calling more and more for cost-sharing.

Here’s a common cost sharing plan:

* 45% – Bride’s parents
* 43% – The couple
* 12% – The Groom’s parents

Costs can invariably run out of control. This is particularly true for an event as emotionally charged as a wedding.

Wedding Planners and Financial Planners can offer some great help for controlling costs…

1. The Wedding Planner

An effective wedding planner will provide solid and time-tested help on how to best make the wedding a success. The advice
offered by the wedding planner usually includes the following:

a. Budget

The wedding couple needs to understand their financial constraints. They need to prioritize what they need to make their wedding successful. Both partners of the couple should be involved in determining priorities.

b. The Date and Venue

Wedding costs will go up for weddings held on Saturdays, especially during the months of April through October. Good deals can be found by having week day weddings. The venue of
the wedding is equally important with 5-star locations in the heart of the city being the most expensive.

c. Be Realistic

It’s best if both partners have clear and realistic expectations of what their budget will allow them to accomplish. A bit of clever work can often stretch a budget.

2. The Financial Adviser

Given the high costs of weddings, involving a financial adviser can be helpful.

a. Avoid Large Loans

Big loans can take a long time to repay. Some advisers suggest a home equity loan with low repayment rates may be a good way to go.

b. Give Lump-sum Gifts

A lump-sum gift can be given to the couple and spaced out in a way that is strategically valuable to the couple.

c. Be Conservative on Guest-lists

The guest-list count should be as low as realistically possible. The rule of thumb is to cut the list until it is no longer realistically possible to cut it further.

Final thoughts…

If you are thinking about getting married or if you have a child that is tying the knot, be sure to reach out to us for money saving tips. We’ll also help you understand how life changes may impact things like your insurance as well.

Steps to Take if You Think You’re Handling Asbestos

Asbestos is a mineral fiber compound that naturally appears in rock or soil. It may also be found in building and construction materials or while doing maintenance or repair work.

In fact, many roof and installation materials, plaster, caulk, and pipe-insulation materials can contain asbestos. This is because it had been an effective insulating material.

Being exposed to asbestos is dangerous as it can lead to lung problems including a variety of cancers. Asbestos exposure has been linked to lung cancer, mesothelioma cancer, and asbestosis. However, the time from exposure to development of these conditions may take years.

Precautionary Steps

There are a few key steps to take in order to protect your team from asbestos exposure. Use these three steps before starting a work project.

* Always ask if the job that you’re about to complete involves working in an environment that could contain asbestos. If the answer to this question is “yes,” then you’ll need to supply workers with the training and safety equipment to minimize exposure. (And bill your client accordingly.)
* You’ll also need to provide warning signs in the area that note the danger of being exposed to asbestos.

In construction, you hold the responsibility to ensure that employees in the area and any members of the general public are kept safe from asbestos exposure.

Protect Team Members

Minimize employee exposure to asbestos by requiring workers to:

* Wear a head covering, coveralls, gloves, and respirators.
* Avoid smoking in areas that may have asbestos present.
* Eat and drink in safe zones away from these areas.
* Shower before leaving the job site.
* Remove any traces of the material from their clothing. Clothing and footwear exposed to asbestos should be left at the job site.
* Never bring clothes home to clean them… the company is required by law to leverage professional garment cleaning instead.

Require Education

If workers are to be exposed to asbestos, they need to be given training on how to work safely in such an environment.

Training should be mandatory and understood by all levels of the crew including workers, job site managers, etc.

And if your company regularly handles materials such as asbestos, be sure your insurance addresses this risk. Have questions? Give us a call today!

Owning International Stocks

Many investors are thrilled to see how well US based equities have performed in the last few years.

However, international stocks have been making strong upward movements of their own. With increases as high as 14% within the first five months if this year, investors are asking if they should consider these stocks.

Looking back, international stocks performed quite well preceding 2007. That changed after 2007. Since then, international stock performance has been hit & miss. As of 2016, it appears this trend may have shifted.

Generally, most advisors agree that having some exposure to international stocks is always a good thing… and most agree they should never comprise more than 1/3rd of one’s equity exposure.

Choosing to invest in international stocks has one major advantage – diversification. Yes, certain populist political trends lean toward isolationism. However, the dynamics of a global economy are such that smart investors have at least some exposure to international equities.

Individuals that lack the time or expertise to actively trade securities can still participate via two key methods:

* Dollar cost averaging
* Regular rebalancing

With dollar cost averaging, an investor buys stocks consistently over time. Sometimes they’ll buy when the market is low and sometimes when it is high… and over time they’ll achieve a purchase price that is “averaged” so that it is often better than if they were trying to time the market. If one had been investing consistently since 2007, they would have seen some fantastic growth over time.

With regular rebalancing, you are forced to “sell high” and “buy low”. This means that if one part of your portfolio is performing really well, let’s say U.S. Equities, you would sell some of those stocks. You would use those proceeds to invest in underperforming equities. This follows Warren Buffett’s great advice which is: “Buy the fear and sell the greed”.

You should also ensure your exposure to risk is diversified. For international stocks, this means buying equities from different countries and sectors.

So are international stocks right for your portfolio? We recommend reaching out to your financial advisor to get the best answer to that question. They understand your goals and your situation. They can also help you understand the risks, portfolio allocations, and the best investment vehicles to help you participate in international stocks while limiting risk.

Workplace Injuries Rise When Companies Under Financial Pressure

* At a steel mill located in Seguin, Texas, a worker suffered burns to an area greater than 60% of his body after molten steel splashed onto him. He tragically died in a hospital three days after the accident.

* A 21-years old plastics worker was hospitalized for severe burns to his hand. He eventually had four fingers removed after he had an injury on his first day of work at a manufacturing facility in Elyria, Ohio.

* 400 employees at a factory in La Porte, Texas were killed after a toxic chemical was released due to a broken network of pipelines in the workplace.

These three examples are a few of many workplace injuries and even fatalities that have recently occurred. The question that crops up in these situations is whether companies sacrificed safety in exchange for profits.

The Journal of Accountancy and Economics recently released a study on this topic. In the research, they tested whether there was a connection between safety in the workplace and corporate management’s efforts to meet profit goals. To perform the study, researchers used workplace injury information gathered by the Occupational Security and Health Administration (OSHA) in the years from 2002-2011. They matched safety information to the reported earnings information. The study included a sample size of 35,350 findings for 868 companies. (Financial services companies and other companies in regulated sectors were excluded.) The study focused on businesses that barely met their goals and found that there were greater workplace injuries in these businesses in particular.

The study’s findings were notable. Injury and illness rates for these firms are 5-15% higher than firms meeting or exceeding their forecasts.

The study found that increased stress to meet profit projections could be associated with workplace safety in two primary ways:

* Larger workloads per worker.

* Cost cutting, particularly around safety-related activities.

When managers think their business is close to missing financial targets, they try to boost productivity by pressuring workers into working faster or for extended periods of time. Additionally, workers can harm their own health by being tired or not following safety procedures that slow down the workflow. All of these actions pose a threat to employee safety.

Managers may also cut corners or ignore recommended safety procedures. This includes not following the recommended maintenance on equipment. This can also include cutting employee safety training and monitoring protocols. When managers fail to follow through on these areas, safety in the workplace quickly goes downhill and the risk of injuries increases.

What exactly does this mean for the average worker though? According to the workplace injury information gathered from OSHA, the ratio of injured worker to total workers is 1:27 in companies that meet or exceed financial goals. For firms that miss their targets, the ratio is 1:24.

Some surprising statistics were revealed as a part of the study.

Companies with unions tended to have lower levels of injuries than those without unions. It is believed this is due to unions negotiating mandatory protections for employees. It is also believed unionized employees have ways to report safety problems to union reps without fear of reprisal.

Companies located in states with high Worker’s Compensation premiums tend to have fewer injuries than those in states with relatively low rates. It is believed companies in high-cost states put a premium on safety to help keep their Workmans’ comp costs as low as possible.

Companies that perform a lot of work for State or Federal governments tend to perform better than those who strictly work in the private sector. This is believed to be a result of state and federal pass-through safety mandates that are often not present in private contracts.

As OSHA only collects information related to serious physical injuries, the report authors believe the information may represent the “tip of the iceberg”. The belief is that if the culture prizes profits at all costs over worker safety, the company may indeed face future additional financial pressures.

When managers and employees forget safety in the work environment and instead focus on short-term business targets, the results can extreme. At the business level, the costs of forgoing safety include penalties, lawsuits, expensive insurance rate increases, costly settlements, and negative press that can damage the business reputation. For employees, the cost may be higher and include injury, loss of wages, or, in the worst case scenario, their death.

If your business is under financial pressure, be sure to reach out to us on ways you can ensure you’re meeting safety requirements. We’ll help you evaluate your risk exposure and we’ll make sure you have the right insurance products for your budget.

Your workers will feel better knowing you place their safety first. That positive feeling can create productivity dividends of its own.

Defend Against Dementia With These Lifestyle Changes

A newly released study shows a marked increase in deaths from Alzheimer’s disease. The number has jumped from 16.5 deaths per 100,000 Americans to 25.4 deaths per 100,000 between the years 1999 and 2014!

Today, 5.2 million Americans have this disease and almost 94,000 died from Alzheimer’s in 214. As the senior population increases every year, that number is expected to grow. That’s why it’s important now more than ever before to do what you can to limit your risk of Alzheimer’s. These are five changes you can make to your lifestyle that may help to avoid mental decline.

Increase Your Exercise

Adding an hour of walking to your routine, three times a week can provide a huge mental boost. New research completed by the University of British Columbia found that walking could boost mental health in populations with dementia. Researchers also discovered that those who had early vascular mental deterioration and began walking regularly saw a decrease in blood pressure and improvement on cognitive tests. They also showed improved skills on cognitive tests when compared to those who didn’t exercise regularly. Cognitive decline, which is likely caused by damaged capillaries in the brain, is thought to the second cause of dementia, after Alzheimer’s.

Stay Social

While the exact connection between isolation and Alzheimer’s isn’t exactly known, some studies have shown a link between having a social support network and a reduced risk of dementia. One four-year study of 800 individuals age 75 and older found that isolated people were more than twice as likely to demonstrate signs and symptoms of dementia when compared to those that had regular social activities. The greatest benefits were seen in individuals who were both socially active and also emotionally active.
An even larger study that included 2,249 women ages 78 and older found that individuals who were socially active were 26% less likely to develop dementia when compared to individuals who had minimal social networks. Women who communicated with friends and family on a daily basis cut their risk of mental decline almost in half.

Watch Your Head

The Alzheimer’s Organization strongly recommends protecting your head as there is a link between developing Alzheimer’s and head trauma. When you drive, always wear your safety belt. If playing sports, wear a helmet and take steps to make sure that your house is fall-proof.While you may not be playing football as you age, you may be taking part in physical activities such as biking. If you do, always wear a helmet. You can also use these suggestions to make sure your residence is fall-proof:

-Make sure the floor is free of clutter

-Get rid of or fasten down any area rugs

-Avoid using wax on floors

-Add a slip-free mat to the tub

-Remove any wires or cables from commonly walked areas

Watch Your Diet

To get started in this area, make sure that your diet has adequate vitamin D which is a nutrient that’s important for cognitive function. Good sources include tuna, salmon, milk, and orange juice fortified with vitamin D. Folks with serious vitamin D deficiencies had more than twice the risk to develop Alzheimer’s and dementia than those with normal levels.

Being overweight, having diabetes, and high cholesterol all increase your risk of dementia. It’s important to speak to your doctor regarding your diet as well as how many calories you need. Eating more vegetables as well as reducing your red meat intake have been shown to decrease the risk of cognitive decline. Also, new studies indicate that artificial sweeteners used in diet drinks have been connected to a higher risk of dementia and stroke.

Get Plenty of Sleep

You probably sleep every night, but are you actually getting enough? If you aren’t sleeping at least 7-8 hours every night, you may be creating your own health problems, including mental decline. This claim is stated by the Global Council on Brain Health and Wellness.

One study suggests that a lack of sleep may actually cause Alzheimer’s. This is due to the fact that a lack of rest doesn’t provide adequate time for your glymphatic system to work. The glymphatic system removes proteins known as amyloid beta which can turn into plaques that increase the risk of Alzheimer’s and mental deterioration and works while you’re sleeping.

It’s a common misconception that adults need to rest less as they age. There is clear evidence that cognitive and physical health is connected to getting an average of 7-8 hours of sleep every day.

By taking these simple and healthy steps you can substantially increase your chances of living a longer, more enjoyable life.

Offering Life Insurance As a Benefit is Becoming Popular

Employers are finding it increasingly advantageous to offer a life insurance benefit to their employees. It has immense value for both the employer and the employee.

On one hand, the employer gets to attract and retain top-notch, high-quality workers. On the other hand, employees are made to feel secure in the knowledge that they are well covered in case of any fatal eventuality. Based on this, life insurance policies as a benefit have grown in popularity.

Interestingly, life insurance benefit has not always been this well received. A couple of years ago, it was quite difficult to convince employers and employees alike to invest in life insurance. Data released following studies commissioned by LIMRA in 2015 and again in 2017 put this into perspective.

The 2015 study found about 57% of adult Americans indicated that they had zero interest in taking a life insurance policy that year.
Contrast this with the findings made public earlier this year. It shows 58% of workers strongly feel that life insurance benefit was important and essential in their work environment.

Indeed, indicators show that life insurance benefit is more valued and desired than many other perks. It has recently come to be ranked in the same category with retirement plans and medical coverage/prescription drug benefits.

The increased interest in life insurance as a benefit has been enhanced by several factors:

Increased employee security and a sense of well being when they know that they have a life insurance policy in place. This appears to have a positive impact on productivity and profitability while also retaining top talent.
Improving attitudes toward the economy. Workers are more confident they can handle their share of the premiums.
Workers are becoming more sophisticated in their understanding of finances. This includes understanding the benefit of having a life insurance policy.

The Role of Financial Advisors in Helping Companies…

As a company considers offering Life Insurance as a benefit to employees, it is helpful to work with a financial advisor who can serve as an advocate within the company for broad adoption of the benefit.

Selecting the right financial advisor means working with someone who can help educate employees. (It important that the team has a clear understanding of the benefit and its advantages.)

This will also help the employees fully appreciate the value of what the company is offering through the life insurance benefit.

It’s always a good time to begin exploring your options for the benefits you offer and Life Insurance should be in the mix. Please call or Email us with questions and we’ll put you in touch with the best resources available.