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
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
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
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.”
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.”
AARON THOMAS
ATTORNEY
“I went to Howard for my first life insurance policy. Then I had a child and bought a new home. So I went back to make sure, if something were to happen to me, my wife could keep our home and my daughter could go to college. Howard is easy to like and he genuinely cares. He’s good people. He took the time to walk me through the policy and advised me on what I needed and what I didn’t need, regardless of if it benefitted him. Why would anyone buy insurance online when someone like Howard is there to help?”
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