The truth about group long-term disability benefits

The truth about group long-term disability benefits

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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

Understanding Employee Benefits

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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

What our clients say....

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STEWART GIBSON

“Howard is a gem! The insurance world is complex and confusing, with so many options and products to consider. I trust Howard to expertly guide me. He’s knowledgeable and fun to work with. Anyone who knows Howard loves him. I recommend him all the time.”

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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.”