Small Business Insurance
We understand the anxiety, stress, pressure and sleepless nights of owning a business because we’ve owned business before and have worked with thousands of business owners.
As current and former Small Business owners, we know it’s important that you offer your employees the benefits they want. The benefits you offer may be the deciding factor in whether an employee stays with you or chooses to go elsewhere.
Three of the most important types of benefits for an employee are Health Insurance, Retirement and Life Insurance. Current statistics show that:
- Health insurance. This benefit was ranked as the most important benefit in recent research from Glassdoor. Providing employers with stellar health insurance options typically does translate into an additional expense for employers, but it’s an investment worth making not only to incentivize employees, but to ensure that employees are healthy and productive. Offering solid health insurance also demonstrates that the employer cares about its employees’ health and wellbeing, a good way to boost morale. https://www.forbes.com/sites/ashleystahl/2016/10/12/employers-take-note-heres-what-employees-really-want/#29f423091c83
- Twelve percent of employees participate in defined benefit Retirement plans and 40 percent are in defined contribution plans. (Some employees participate in both types.)Bureau of Labor Statistics U.S. Department of Labor, Retirement Benefit Combinations: Access – March 2014
- Sixty percent of workers have access to Life Insurance, and nearly as many, 59 percent, participate.
Bureau of Labor Statistics U.S. Department of Labor, News Release: Employee Benefits in the United States- March 2015
Health Insurance: American Benefits Exchange has Association plans, individual plans, Minimal Essential Plans, ACA Compliant Plans, Dental, Vision, Hearing and Supplemental Plans for you and your employees, as well as, Life Insurance policy with an annuity accumulation option that is a great opportunity for you, the small business owner and to offer your employees
Life Insurance Needs: We offer Term, Whole, Indexed Universal and Premium Funded.
Retirement Needs: We have numerous options available for you and your employee’s needs. We have “Safe Money” options that build wealth and provide no risk of loss of initial premium, growth potential, Living Benefits and Death Benefit. This is a GREAT way to build spousal and generational wealth. We also have Annuity Accumulation Option that gives you and/or your employees a flexible and secure way to help supplement their retirement needs. The interest earned is accumulated on a tax-deferred basis. Upon retirement, they can choose from a number of withdrawal options.
