What We do
Insurance For Companies Large and Small
Employee Benefits and HR Consulting
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 Dividend Insurance Services can offer. All of our HR and Benefits oriented services are supported by a qualified team to service your needs.
Executive and Strategic Insurance Planning
How can an insurance agency help a company grow and stay competitive? Companies have team members that are key to thier success as well as a need for access to capital to grow. There are insurance solutuions avialable to provide Executive Bonuses, develop a tax freindly exit strategy, provide for a stronger loan profile, and mitigate costs in the case of a disability. These services are the cornerstone of Dividend Insurance Services to help reduce exposure risks companies face everyday.
Individual Insurance Planning
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
Although a life insurance provides for families many people also use thier policy for other reasons. For example, give to a charity or place of worship or to 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 a variety of needs along the course of their lives, the money from the policy is tax free.
Annuities
Everyone needs annuities for a variety of reasons. Whether it be to supplement retirement income, pay for long term care needs, or simply as a death benefit, Annuities are a great tool. Annuites don't requre medical exams and offer a variety of options to help you reach your financial goals.
Advanced Planning
High Net Worth individuals may not consider health and life insurance as a must have in their financial life, but Dividend Insurance Services can h Our team of attorneys and financial professionals are dedicated to assist in achieving your goals.