Here at United Life Brokers, one of our specialties is placing Lender required Life Insurance policies on SBA Loan applicants. We can place policies from 50k to 10 million quickly and efficiently, with our streamlined system, and experienced team. Contact us today to get started. No in person meetings necessary.
Group Health Insurance
With 20+ years experience, our team can get you the best possible coverage at the best possible rates. We can help you whether you have 2 employees, or 200. We specialize in Amazon Logistics businesses, Self Funded plans, as well as traditional small and large group plans. Our agency is equipped to service your plans with experienced support staff that is available to handle all of your group health needs, such as adding new employees, etc. Call us today with any questions, we're happy to help.
Partner Protection & Succession planning
Also known as Key Person life insurance, "key man insurance" is a life insurance policy specifically designed for business directors and owners. It provides a cash benefit to the business in order to cover any costs associated with losing that key employee. A key person doesn’t just have to be a director but can also include anyone who is integral to the success of a business such as a top sales manager or web developer. With key man insurance, the business itself is the beneficiary of the life insurance policy. The cash paid out goes directly back into the business. This enables the business to meet any loan repayments, cover any debts, ensure day-to-day operating costs are paid as well as being used for recruitment or a replacement of that key person. The payout of a key person life insurance policy is normally tax-free, giving the company a substantial lump sum to keep the business running.
Business expense & Individual Disability insurance (long term)
When small business owners are unable to work due to illness or injury, there's more at stake than just personal obligations. Ongoing business expenses such as rent, utilities, employee salaries, and payroll taxes cannot be forgotten. BE (Business Expense Income Insurance) can help keep your business viable by paying you a monthly benefit for eligible business expenses in the event of an income-interrupting disability of the owner or owners. The monthly premium of a BE policy is also tax deductible. In addition to BE disability insurance, we offer individual plans for you and your employees. These plans are not tax deductible, but they pay the monthly benefit directly to the individual to use as they see fit. It can be used to pay household bills, or you can spend it all in Vegas. There are no restrictions with the individual plans.
Group Life, Dental, Vision, and other ancillary benefits
The single largest issue facing business, small and large, is finding and keeping good employees. A great way to make an offer of employment more enticing without breaking the bank, is offering ancillary benefits. Some of which include those listed above, but there are many others available, such as pet insurance, and even legal defense coverage. Many of these benefits have a single digit monthly cost per employee, but provide the employees with the sense of being valued, which can often lead to better retention. Speak to one of our experts today, and learn what we can offer.