Life Health Business

The challenges for employers to offer competitive benefits to their employees can be overwhelming and counter productive. There are ways to structure benefit plans so the budget and the benefit to the employees both survive and prosper. We would like to offer you our resources in our staff, our partnership with the strongest carriers, our ability to educate your staff, support with claims assistance, and commitment to administrative detail in your effort to manage your employee benefits.

Below is a brief list and description of the life and health related insurance coverage most sought by our business clients. The list by no means all-inclusive of our services. To serve you best, we suggest a face-to-face appointment with one of our agents.

Group Health Insurance - provides medical coverage for a company's most important asset, its employees. As a benefit, this is one of the first things that prospective employees look at when making a decision to join a company. Our agents will work with you to design a comprehensive health insurance package to meet your needs. A package can include a variety of health related coverages including, but not limited to the following: medical insurance; dental insurance; vision coverage; short-term care; long-term care; and long-term disability. Plans can be fully insured or partially self funding based on your business needs. Coverages can be totally provided by the employer or as a mixed offering whereby employees pick-and-choose options with a portion of the cost being paid by them. The options are limitless and our agents will work with you to develop a customized plan that works best for your business.

Group Life Insurance - provides life insurancce coverage for your employees with options for additional coverage for family members. Our agents can provide you with a variety of options and develop a plan that meets your needs whether it be providing life insurance as a company-wide benefit or limited access as perk for excutives or key officers. Deferred compensation or salary continuation plans can be developed as well based on your company's needs.

Buy / Sell Protection - if you have a partner in business, you have a need for insurance so that in the event of death or disability, you can buy out your partners interest without having to take out a loan or liquidate company assets. This is also important where children and taxes are involved.

Key Person Coverage - your key employees are your most valuable business asset. Their skill, knowledge and experience are your real profit makers. Without them, the success and growth of your business could be in jeopardy. Key employee insurance is designed to protect your business from the adversities associated with the loss of a key employee, manager or executive. The death or disability of a key employee could result in a substantial financial loss due to hiring and training a replacement, lost sales, and/or slowed production.

Flexible Spending Accounts (FSA's) - employees' needs are as varied as their lifestyles, and benefit programs need to be flexible to accommodate those differences. At TrustPoint Insurancce, we not only recognize, but welcome this diversity. FSA's are benefit options designed to increase an employee's disposable income by reducing the amount of taxes they pay. An FSA enables your employees to use pretax dollars to pay for qualified health care expenses which are not reimbursed under any health care plan or insurance plan, and for qualified dependent/child care expenses.

Retirement / 401(k) / IRA - many experts agree that Social Security may not exist in the same form for future retirees. That is why it is more important now than ever before to plan for retirement. We help companies start, transfer and maintain their retirement plans of all types, not just 401(k) plans.