Employee Benefits Packages are our core focus.
What sets us apart is our specialization in helping businesses achieve the “biggest-bang-for-their-buck,” which includes maximizing the Tax Savings related to those benefits.
» Reduce Liabilities, Increase Profitability, Attract the Best Workforce & Protect with Insurance.
Maximize Your Benefit.
“None of us know what we don't know. My only regret is not realizing the many effective strategies that I could have implemented sooner that would have in several ways, saved my company a lot of money and headache.” Mark H. (business owner)
Who & What
- Our specialties: Designing Group Insurance Solutions & Implementing unclaimed Benefits-Related Tax Savings for Employers.
- Simply put, we are seasoned, well-connected, Benefit Strategists whose core value is excellence & helping others succeed.
- We serve small-to-medium-to-very-large-sized Employer groups, Membership-based Organizations, as well as Individuals.
Need more info? (Click below to expand each category. Note: the following is NOT an exhaustive list of our services.)
Ensure Benefits, LLC. unlocks access to top-tier underwriting leniency coupled with exceptional benefit offerings, often at "unfair" price points compared to the open market and or through the usual broker channels.
For businesses who employ 50+ full-time equivalent employees we help you navigate and avoid having to pay non-tax deductible ACA-related penalties while serving you and your people well; a true win-win!
Medical
Through our strong industry connections, we can 'un-bundle' traditional PPO, HMO, and HSA plans that you're already familiar with, making them more cost-effective and robust. By eliminating redundancy and implementing features that enhance claims control, we offer a solid Major Medical plan that you won’t overpay for.
Additionally, we offer the lesser-known yet highly effective DPC plan coverage.
Benefits-related Tax Savings
Uncover and implement tax savings programs related to benefits that businesses often qualify for but frequently overlook.
Not knowing about them is costing you on an on-going basis.
Wellness Programs
For a healthier, happier, and more engaged work-force who miss less work days.
These programs also help to reduce the over-utilization of your major medical plan, contributing to that plan's long-term cost stabilization.
Life Insurance
From pennies-on-the-dollar employer paid Group Term Life, to employee elected Guaranteed Issued Voluntary Life products, to Key Man Insurance - we have them all.
Dental / Vision
Because your oral health is essential to your overall health, an investment in your smile is an investment in your general wellness.
We offer vision at competitive rates driven by a proficient cost and quality management team through a large and diverse national network.
Ancillary Benefits
These affordable plans pay the insured directly in case of a covered event. These include: Disability, Accident, Cancer, Critical Illnesses, amongst several others.
A big value add and an even bigger weight off their shoulders.
Medical
From Healthcare.gov navigation to stand-alone Major Medical PPO plans for those who don't qualify for a government subsidies, as well as affordable but meaningful everyday healthcare plans for you and your family, we got you covered.
Life & Annuities
Various to choose from. Term, Whole, Burial, Index Universal Life, plans with simplified issue, etc. It all depends on your needs.
We can also put your hard-earned money to work for you and your retirement.
Dental
Serious health issues are linked to poor oral health. An investment in your smile is an investment in your general wellness, not-to-mention your overall self confidence.
Accident / Critical Illness
Because reality plays no favorites when it comes to unfortunate episodes; it's good to at least not have to worry about your finances, concentrating instead on getting well. These smart-to-have policies pay monies directly to your pocket in the case of a covered event.
A significant value-add to your membership and a potential source of additional revenue for your organization.
Insurance
Group Major Medical PPO, HMO, HSA plans as well as various Life Insurance options, depending on the need.
Non-insurance Benefits
Direct Primary Care (DPC) plans, individual consultation, setup, and administration of Tax-Savings programs, government sponsored Student Loan Subsidy program.
ACA Compliance
Help your 50+ employee members remain compliant with the Affordable Care Act, care for their employees, avoid non-tax deductible penalties.
Generate Additional Income
...as well as potentially generate ongoing monthly income for your organization through our non-insurance solutions.
We are Benefit Strategists with over 75 years of combined industry experience.
We have built our business on earned trust by consistently doing right by others, educating anyone with the curiosity of knowing more about our industry and by always being insightful and heavy on value; even when we're not your Agent.
