Group Health Insurance

Group Health Insurance is available to three kinds of groups: employees of the same company, members of the same club, and members of a professional association. The rates are usually better than single policies for individuals, and a significant benefit for employees and their families.

Because each group is different, Tier 1 Capital of Georgia, LLC takes the time to find the right plan for each group.

Group Life

Life insurance is a key element of financial and estate planning for individuals, and this offering can be a decided bonus for employees and employers alike. As with most group policies, the rates are lower, the coverage is better, and the employee is happier. The cost, of course, is tax-deductible.


Supplemental policies protect against a particular illness or occurrence, and provide cash for the things major medical doesn’t pay, and living expenses during recovery or recuperation.

Overhead expense insurance

Should a business owner be disabled, Business Overhead Expense (BOE) coverage is designed to meet monthly overhead expenses. From mortgage or rent payments, salaries, taxes, employee benefits, utilities or professional services, the day-do-day operations continue without the owner’s physical participation.

Dental Insurance

Americans saved nearly $100 billion in dental care costs during the 1980s by simply having regular checkups.

Most dental care coverage places an emphasis on regular preventive care by covering normal and minimal routine procedures: bi-annual examinations, cleanings and annual x-rays may be ample to maintain good oral hygiene. But for many, there will be a need for fillings, crowns, dentures, or implants. Others will require periodontics, endodontics, or oral surgery.

A dental insurance policy is available for basic, preventive services, or for major procedures.

Long Term Care

More than half of the U.S. population will require long-term care at some point in their lives, and it is not only of concern for retirees or the elderly. Only about 60% of recipients are older than sixty-five, and nearly 40% of are between eighteen and sixty-four. They may not be sick, but are unable to handle the every-day basics of eating, dressing or walking. Care may require adult daycare, home healthcare, a nursing home, assisted living, respite care, hospice, or even an Alzheimer’s facility.

Out-of-pocket costs for these services can be prohibitive, and is the greatest threat to financial security.

A long term care insurance policy can only be cancelled for nonpayment, and it is guaranteed renewable for life.


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    Tier 1 Capital of Georgia, LLC is an Atlanta-based agency advising clients on purchasing health, life, and disability insurance coverage, long-term care coverage, as well as customized plans for their financial future. Tier 1 Capital of Georgia, LLC brings more than two decades of extensive experience in long-term insurance and retirement planning for individuals, professionals, small business owners and families.

    Tier 1 Capital of Georgia, LLC's Howard is both a Chartered Life Underwriter® (CLU), offering expertise on risk management to clients on topics like financial planning, insurance law, estate planning, and business planning; and a Chartered Financial Consultant® (ChFC), focusing on financial planning disciplines, including insurance, income taxation, retirement planning, investments and estate planning.