Corporate insurance benefits do more than protect workers from uncertainty – they serve as a major attraction for sharp, qualified job seekers while also extending critical protection to the businesses themselves. If you’re looking for group life, group accident, group health, group disability, group dental/vision, buy/sell agreements, key person insurance or cafeteria benefit plans, Southerland & Associates has what you need.
Today’s employees recognize life insurance as a tremendously attractive part of any company’s benefits package. Don’t lose your best and brightest job candidates to your competitors! We offer economical group life packages that make your company a more desirable place to build a career.
Group Accident & Disability:
It’s the ugly truth – serious accidents occur in and out of the workplace and injured employees often face frightening debts due to the financial hardships caused by those accidents. Accident Insurance provides benefits in case of just such an accident and helps protect employees’ financial security. Let us add an affordable accident insurance plan so your employees can experience peace of mind.
We can help you protect your employees or professional association members from lost income due to accident or illness, usually for less money than they would pay for an individual disability plan. The coverage period and maximum monthly benefit limits differ for the group policy.
Companies have the option to purchase a group health plan for their employees’ major medical coverage. Many times small employers offer to pay for individual health plans instead of providing group health plans for their employees. We offer a variety of plan designs, the option of multiple plan designs and networks (where available), and value-added options such as wellness programs, flexible spending accounts, group dental/vision and the Section 125 Cafeteria Plan.
Employees request dental insurance more often than any other benefit apart from health plans. Avoid some of those 32 million missed workdays each year due to dental emergencies. Let us set you up with an integrated or standalone dental plan for your workforce.
Cafeteria Benefit Plans:
You and your employees alike can enjoy tax savings — and employees can enjoy larger paychecks — with a Section 125 plan, also known as a flex benefits or “Cafeteria” plan. As the name suggests, a cafeteria benefit plan allows employees to build their own benefits packages from a “menu” of available benefits. Employees can redirect a portion of their pre-tax salary toward the purchase of these benefits, or you can contribute this payment on their behalf.
Business Benefits for the Owner or Executives
Stay competitive and innovative in today’s volatile business world by extending executive benefits to attract the sharpest minds and most skillful leaders to your company. We offer business solutions for executive benefits and liability funding through specially-designed life insurance and other financial products.
Business Owner/CEO Insurance:
Every business has certain high-level personnel – owners, partners, a majority stockholder — who play key roles in that business’s success. Key person insurance protects your company from possible financial ruin or difficulty in the event that you lose those principal players. Let us help your business stay in business.
Have you done the necessary planning to make sure your business keeps working even after you stop? We help business owners in the creation and direction of buy/sell agreements. We assist you with the information and right decision for the best option to fund the buy-sell plan to ensure that all parties receive a fair price for the business upon your retirement, death or transfer of ownership. We can also include buy-out options and disability income in the agreement.