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Group
Insurance plans are no longer "fringe benefit"
programs. Their cost often represents a substantial
percentage of a company's overall compensation
expense. Rather than merely selling a plan,
we work with businesses to design group benefit
packages that are competitive, cost effective,
and satisfy the goals of companies as well
as the needs of their employees.
As brokers in this rapidly changing market,
our job is to know the products available
and each carrier's competitive position in
the market. To employer groups, we provide:
- Health
Insurance
- Life
and Disability Insurance
- Dental
Insurance
- Long
Term Care Plans
- Voluntary
Benefit Programs
- Section
125 ("Pre-Tax Premium") Plans
- COBRA
Compliance Assistance
Our
long term success rests with our ability to
establish and maintain sold relationships
with the major carriers who are active in
the marketplace. In determining what carriers
we are willing to represent, we take into
consideration such factors as underwriting
flexibility, benefit designs, available funding
arrangements, managed care philosophies, ease
of administration, claims processing, initial
and renewal rate history, retention of business
over the years, and financial strength. Although
most carriers offer products in all benefit
planning areas (i.e. life, health, dental,
disability, and qualified plans), we will
only represent a carrier in those areas where
they offer a competitive and high quality
product as determined by these criteria.
As an independent company, ADVANCED FINANCIAL
GROUP represents the leading carriers
in the industry that provide quality products
with strong customer service and support.
The insurance companies that we regularly
quote and represent include:
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