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GROUP PLANS
Health Insurance
Group health insurance coverage is a policy that is purchased by an employer and is offered to eligible employees of the company (and often to the employees' family members) as a benefit of working for that company. A group health insurance plan is a major part of many employee benefits packages that employers provide for their employees. 

Group Life Insurance
Group life insurance (also known as wholesale life insurance or institutional life insurance) is term insurance covering a group of people, usually employees of a company, members of a union or association, or members of a pension or superannuation fund. Individual proof of insurability is not normally a consideration in the underwriting. Rather, the underwriter considers the size, turnover, and financial strength of the group.

Group Disability Insurance
Group Disability Insurance is a type of group insurance that provides regular income replacement payments to an insured member of the group in the event of an eligible disability resulting from illness or injury. Coverage is generally offered in two types: short-term disability (STD) or long-term disability (LTD).



​Below is a pdf download from lifehappens.org with a wealth of information for safeguarding your small business.  Please contact us for quotes, questions or for further information.


CAN I RECEIVE A TAX CREDIT?
To qualify, a small business must:

  • Have fewer than 25 full-time equivalent employees
  • Pay average annual wages below $50,000 per FTE
  • Contribute at least 50% of each employee's premium

One of the first things any business owner needs to consider is how to protect against events that may threaten the future of the business, like the death or disability of a proprietor, partner or key employee. When adversity strikes, a smart business-continuation plan can help protect business partners and family members alike. 

WHAT YOU NEED TO KNOW FOR YOUR SMALL BUSINESS