What We do
Employee Benefits & HR Consulting Services
Businesses large and small can't survive without a solid team dedicated to win. Offering comprehensive benefits is the key to attracting top talent. Our Workplace Benefits and HR Services enable our clients to leverage their time, keep costs in check and stay in compliance to limit liability. Easy enrollments, self-funding options, PEO planning, and offering a suite of HR Services are just a short list of what Dividdend Insurance Services can offer.
Why Work With Dividend Insurance Services?
We are not a ROI centered agency who solely works with large groups. We also work with small groups and provide the same high caliber of service. We have many ways to scale your HR administration, and assist with determing cost/benefit analysis of providing the best Employer Benefit Plans. As a Latino Owned Agency, we understand the importance of DEI initiatives, and reflect the community you serve. We look forward to being part of your team, and are open for RFP opportunities.
Individual Planning & Services
Health Insurance Planning
Medical, Dental, Disability, Travel, and Long Term Care are essential components to healthcare insurance planning. We are more focused on covering gaps in your coverage, as we have learned the stuff that's not covered by your employer plans can be costly. These are supplemental plans for when traditional Medical Insurance doesn't cover all expenses. We also offer comprehensive health insurance coverages for families and groups.
Life Insurance & Annuities
Some folks get a life insurance policy to give to their families some money for when they pass on, they may want to give to a charity or place of worship or create a Legacy. Some policies have features like: Chronic Illness, Accelerated Payments, Tax-Free Cash Value. Many people create a self funded bank with life insurance to fund large purchases.
So what happens if you don't qualify for life insurance? Annuities are an option. Everyone needs annuities for additional income during retirement years to supplement retirement income, pay for long term care needs, or simply as a death benefit.
Structured Settlements
A structured settlement can offer a lot of flexibility and security. These settlements can be created so a Claimant can have some immediate cash, as well as, monthly payments. The great part is structured settlements are tax free income for life or a specified period of time, are low risk, offer capital protection, and provide professional money management. Should the Claimant pass away during the payment period, designated Beneficiaries will continue to recieve payments tax-free.
Advanced Planning
We customize creative solutions based on your individual and business needs. We can help with a variety of scenarios like: Funding irrevocable trusts, planning for international clients, non-qualified deferred compensation plans, special needs trusts, SLATs, GRATs, charitable giving, Charitable lead trusts, and much more. Our team of attorneys and financial professionals are dedicated to assist in achieving your goals.