Making your money do more

for your business and your family

Your most valuable assets are your people.

Would your company be able to survive the death or disability of a key employee? How much would it hurt your business to suddenly lose one of your top people. Alex was a highly successful medical sales rep. One day while on the road, she suffered a massive heart attack and died. Her employers and … Read more

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The truth about group long-term disability benefits

Does the long-term disability policy included in your employee benefits package offer real coverage or a false sense of security?  If your employer provides group long-term disability insurance you may think you’re covered, but are you? Many employers offer group long-term disability (LTD) coverage as part of their employee benefits packages. If you’re ever unable … Read more

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Understanding Employee Benefits

You know you should read your employee handbook, but have you? Here’s what you need to know about long-term disability benefits. When was the last time you felt like curling up with a good employee handbook?  Never? I’m not surprised. Most people think of employee handbooks as tedious documents they know they should read, but … Read more

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What our clients say....

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TED RYKOSKI

SANDLER TRAINING

“I got to experience Howard’s compassion and dedication for his clients firsthand when he diligently searched for affordable, comprehensive life insurance for me. Due to my complicated medical history, my own search only came up with limited and expensive coverage. Howard impressed me with his empathy and determination. Howard is a real mensch, someone of integrity and honor, who I highly recommend.”

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BRADLEY BIRGÉ

ATTORNEY

When I decided to review my life insurance policies, I called Howard. He suggested a new policy which provided 50% more coverage for approximately 60% of my existing premiums. He also came up with a 20-year strategy to protect my wife and children where, as my obligations decrease, so will my coverage and premium payments. We all work hard to create a good life for our families. Howard placed my coverage with a quality insurance company that will provide me with peace of mind.”

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DASHIKA DANIELS

“I had too many random life insurance policies. I wasn’t sure which to keep and which to cancel. Howard patiently explained each one and helped me consolidate them into one whole life policy that makes sense. Howard genuinely cares about his clients. I feel so much better knowing my loved ones will be cared for if something were to happen to me. Life insurance is a difficult conversation to have. My husband always avoided the subject. As a nurse, I know how important it is to have your affairs in order. Howard makes it easy.”