Business & Employee Benefits

Business & Employee Benefits

Why does business and employee planning matter?

A robust set of benefits is absolutely vital to employee retention. As we've dealt with business owners over the years, we've seen this firsthand.

Insuring Your Business
Have you thought about what would become of your business if you died or became disabled? How would that affect your retirement plans? How would it affect your employees?

We can help you work through these details, including details of buy-sell agreements between you and other partners.

Our Offers

We offer a large number of different options for employee benefits. Some insurance plans that we offer are:
  • Group Medical: Including health, dental, vision, and HSA. These are some of the most important benefits employees will pay attention to.
  • Life Insurance: Term life insurance, voluntary term life, voluntary accidental death and dismemberment, key employee insurance. Great life insurance is another attractive draw for employees.
  • Disability Insurance: Disability insurance can be short-term or long-term. We can also cover business operating expenses in the event of disability.
  • Retirement Plans: Retirement benefit is a great benefit for employees - They can help secure their long-term financial health as they work for you.
  • Roth IRAs: A Roth IRA is a convenient and popular method for retirement saving. You fund the account with your post-tax income, and then after age 59 1/2, you can draw from that account tax-free. This plan is most attractive to those who expect their retirement tax bracket to be higher than their current tax bracket - including many workers.
  • Cash Value Life Insurance: Cash value life insurance allows workers to provide their family with a death benefit and could provide income in retirement. 
  • Worker's Compensation: This provides for both the medical bills of injured workers and disability payments while they are unable to work.
  • Commercial Property & Liability: Should someone be injured on your property (whether an employee or otherwise), commercial property & liability insurance can help keep you protected.
  • Life Insurance for Buy-Sell Agreements: If the co-owner of your business dies, a buy-sell agreement will lay out how their shares can be bought or sold, for what price, and by whom.
  • Key Employee Insurance: If your business absolutely cannot function without an employee, you may consider a key person insurance policy. That will help keep your business afloat while reeling from the loss. In a small company, this can be the difference between a business that survives, and one that doesn't.

Good insurance policies will help keep your company protected, rain or shine. Generous benefits will help attract the best employees to your company.

If you want to find plans that work for your business needs, then contact Maxwell Insurance and Financial.


Health & Dental Insurance

If you experience a serious illness, how will you pay for it? What will the impact be on your financial future?

Choosing the right health insurance for you and your family is a serious decision. We understand how important it is, and we want you to make a choice you can feel confident about. Let us help you find the insurance plan that's right for you.

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