Individual Life Insurance
Life insurance is a crucial step in planning for your future and the future of your loved ones. The amount of life insurance you need depends on your personal and financial needs. We can assist you in determining the appropriate amount of coverage and help you decide on which type of life insurance policy is right for you. We represent highly rated life insurance companies that offer the most competitive products in the industry.
Individual Health Insurance
Choosing the proper health insurance plan can be complicated and expensive. Our staff will take the time to evaluate your needs and suggest the coverages that are more appropriate and affordable for you.
Long Term Care Insurance
As life goes on, we all face the possibility of needing extended care either at home or in a nursing home. Long Term Care Insurance protects your assets by transferring the cost of nursing home care to the insurance company. There are many options available and our staff can advise you on the coverage that best meets your needs at a price you can afford.
Disability Insurance
Disability insurance protects you against loss of income resulting from injury or sickness. Statistics show that you have a seven times greater chance of becoming disabled during your working career than dying, yet fewer people purchase disability coverage than life insurance.
Group Medical Insurance
Is a fully insured plan right for you and your employees, or should you consider a self-funded program? How do you choose from the many carriers that offer coverage and who will your employees be most comfortable with? Tailoring your specific plan provides you, your employees, and their families with the best possible health benefit for your expenditures. Our experience helps guide you through this process with the right plan for you and your employees.
Dental Insurance
We offer group dental insurance that can be purchased as a stand-alone product or bundled with your group medical plan. Dental coverage often helps you attract and retain quality employees.
Voluntary Benefits
CFP&M can offer an exceptional way to enhance your fringe benefits package through a provision of the Revenue Code Section 125. Under a Section 125 “Cafeteria Plan”, pre-tax dollars are used to purchase benefits. This usually reduces payroll-related costs and increases your employees’ take home pay at the same time. Qualifying expenses include group medical, disability, life, dental, hospital, and accidental death coverages. Health Savings Accounts (HSA) can also be arranged using pre-tax dollars.
To find out more, give us a call today at 717-762-3147 or request a quote online!
