We are an independent benefits agency specializing in worksite and voluntary benefits. This enables us to make unbiased carrier-agnostic recommendations from multiple best-in-class carriers. We will design the appropriate coverage and product mix that are in alignment with your employee demographics and long-term benefits strategy.
Solutions
The New Federal Law NOBODY Is Talking About!
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A Refreshingly Independent Approach
Benefit Advisors and Enrollment Specialists
Healthcare Cost Control
✓ The $0 Deductible Solution
✓ Major Medical (self, level, fully insured)
✓ HSA/FSA/HRA
✓ Major Medical (self, level, fully insured)
✓ HSA/FSA/HRA
✓ GAP Bundle
✓ $0 Copy TeleHealth
✓ $0 Copy TeleHealth
Financial Protection:
✓ Disability (Short, Long)
✓ Long-Term Care
✓ Long-Term Care
✓ Term Life
✓ Whole life
✓ Whole life
Supplemental Medical / Ancillary:
✓ Accident Insurance
✓ Dental Insurance
✓ Cancer Insurance
✓ Dental Insurance
✓ Cancer Insurance
✓ Vision Insurance
✓ Critical Illness Insurance
✓ Critical Illness Insurance
Non-Traditional
✓ Legal Plan
✓ ID Theft Protection
✓ Pet Insurance
✓ ID Theft Protection
✓ Pet Insurance
Commercial
✓ Workers Comp
✓ General Liability
✓ General Liability
✓ Cyber Liability
Healthcare Cost Control
Our $0 deductible solution enables us to shift exposure onto secondary insurance carriers. The result is annual savings of 10-30% and First Dollar Coverage protection for the employees.
✓ The $0 Deductible Solution
✓ Major Medical (self, level, fully insured)
✓ HSA/FSA/HRA
✓ Major Medical (self, level, fully insured)
✓ HSA/FSA/HRA
✓ GAP Bundle
✓ $0 Copy TeleHealth
✓ $0 Copy TeleHealth
Supplemental Medical / Ancillary:
✓ Accident Insurance
✓ Dental Insurance
✓ Cancer Insurance
✓ Dental Insurance
✓ Cancer Insurance
✓ Vision Insurance
✓ Critical Illness Insurance
✓ Critical Illness Insurance
Financial Protection:
✓ Disability (Short, Long)
✓ Long-Term Care
✓ Long-Term Care
✓ Term Life
✓ Whole life
✓ Whole life
Non-Traditional
✓ Legal Plan
✓ Home
✓ ID Theft Protection
✓ Home
✓ ID Theft Protection
✓ Auto
✓ Pet Insurance
✓ Pet Insurance
Commercial
✓ Workers Comp
✓ General Liability
✓ General Liability
✓ Cyber Liability
Great one stop shop for a high strategy, unique array of comprehensive benefit offerings for your employees.
Karen Larsen, Owner
HR-Tabs
Absolutely if you are looking for a committed team to help with finding/creating a solution to fit your needs
Joan Shifflett, Owner
Always Best Care Senior Services, Richmond
John Millen & Debra Willis are experienced, knowledgeable & responsive: a combination that’s rare. They are our #1 when it comes to the health insurance needs of our clients. We’re so pleased we know them and appreciate all of their ability to provide great value & education to everyone they meet.
Jennifer Berdell, CFP, CDFA, Founding Partner
Kinloch Capital