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Business Owner's Insurance

Don't leave everything to chance; keep yourself protected with insurance
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Many years in business

100% customer satisfaction

Knowledgeable advisors to help you

Multiple coverage options to choose from

WORKPLACE SOLUTIONS

Benefits made easy @ workยฎ

Superior Service

We have dedicated and experienced staff that can provide dependable, accurate premium processing and fast claims payment.

Employee education

We provide educational material to help your employees understand their critical requirements and the key role of voluntary benefits.

Enrollment & billing software

Our exceptional enrollment platforms support self, agent-assisted and other enrollment options. This helps reduce processing time and paperwork.

Help your employees secure what matters with virtual enrollment

Virtual enrollment is the perfect way to learn more about our supplemental insurance products and enrolling benefits. We help you explore each product in detail and make an informed decision about which one is best for your business. Our tailored solutions are designed specifically for small businesses, so you know that you're getting the most comprehensive information available. We even provide step-by-step instructions so that everything goes smoothly from start to finish.

Why work with us?

We have an extensive suite of supplemental health and life insurance products that can enhance your employee benefits program. Our administrative prowess can make your job easier. We streamline the enrollment process to help your employees choose their benefits quickly and efficiently.

Our comprehensive selection of Supplementary health, Life insurance Short and Long Term Disability, Major Medical, Dental, Vision, Supplemental Health, and Group Term options can elevate your employee benefits package to new heights. Not only that, but our expertise in administration simplifies the process for you, making it a breeze. In addition, we streamline the enrollment process, allowing your employees to swiftly and seamlessly choose their benefits.

Our solutions

Benefits are an important part of any employee's compensation package. They can offer flexibility and security, while helping to control costs. At Financial Empowerment Services, we have the experience and knowledge to help you create an optimal benefits package that meets your needs and budget challenges. We have a variety of products and services available that can provide you with the options you need.

Supplemental health insurance

Supplemental health insurance is a type of insurance that helps employees cover the costs of medical expenses that come with critical illness or injury that are not covered by traditional medical insurance. This coverage can range from covering hospital treatments and doctor visits to paying for prescription drugs, maternity care, and more.

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Life insurance

We offer a variety of voluntary life insurance products designed to fit your employees' age, income, and plans for the future. Our products provide peace of mind by providing financial protection should something happen to them. And because our policies are affordable and easy to obtain, we believe they're an excellent solution for businesses of all sizes.

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Short-term disability insurance

Short-term disability insurance is like a safety net that catches you when you cannot work due to a temporary illness or injury. It provides a financial cushion to help cover expenses and keep you financially stable while you focus on getting better. Think of it as a lifeline during a challenging time, giving you the support you need to recover and get back to work.

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Long-term disability insurance

Long-term disability insurance is coverage that provides financial support to individuals who are unable to work due to a long-term illness or injury. It pays a percentage of the individual's income for an extended period. It helps cover medical treatments, rehabilitation, and other costs that may arise during recovery. It serves as a safety net, ensuring you have the financial means to support yourself and your loved ones during a difficult time.

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Major Medical

Major medical insurance is a type of health insurance that provides comprehensive coverage for various medical expenses. This can include hospital stays, doctor visits, prescription drugs, etc. These plans are designed to cover significant or unexpected medical expenses that other types of insurance may not cover. Overall, major medical insurance is an essential type of coverage that can help protect individuals from the high costs of medical care.

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Dental insurance

Dental insurance is a must-have for anyone looking to maintain a healthy and beautiful smile. It's a type of insurance that helps cover the cost of dental care, such as regular check-ups, cleanings, fillings, and more procedures. Dental insurance gives you the peace of mind that comes with knowing that your dental needs are taken care of.

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Vision insurance

Vision insurance is an investment. It's a way to safeguard your ability to see and appreciate the world's beauty, whether reading a book, driving a car, or enjoying a picturesque sunset. With vision insurance, you'll have access to the top eye care professionals and the most advanced technology, ensuring your vision is always at its optimal level. Vision insurance can also provide coverage for unexpected eye emergencies and injuries, giving you peace of mind and protection in unforeseen circumstances.

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Medical Supplement Plan

Supplemental health insurance, also known as gap insurance, is a type of insurance that helps cover expenses not covered by your primary health insurance plan. These expenses can include things like co-pays, deductibles, and out-of-pocket costs. It can also cover unexpected medical expenses such as accidental injuries or illnesses. It helps fill in the primary health insurance plan gaps and provides additional protection for the policyholder.

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Group Term

Group-term life insurance is a cost-effective way for employees to protect themselves and their loved ones. Employers often offer this coverage as a benefit, allowing employees to enroll. The coverage is usually based on salary or a flat amount set by the employer and remains effective as long as the employee is employed. The cost is generally less than individual policies as the employer secures a group rate.

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Need to enhance or supplement your existing employee benefits? Increasing retention is easy by adding more value to your benefits package!

It might be time to switch insurers whenever the service that your existing insurer provides doesnโ€™t meet your needs. For example, if you have a poor claims experience or an unexplained rate increase, it might be time to consider other options

If you cancel a previous policy before a new policy is effective, you could run into some serious financial problems.

Contact us today to help you with multiple options to choose from.
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