Whether you are a business offering health insurance or life insurance to your employees or you are purchasing insurance as an individual or for your family, finding the right plan can be daunting. But not having life & health insurance coverage can be even more problematic.

At Allen Insurance and Financial, we’ll explore all the options for your business or family to help you achieve peace of mind.

 

Employee Benefits

With its deep industry experience, Allen Insurance and Financial’s Employee Benefits team can help you juggle the often competing demands of personnel attraction, employee retention and the P&L, to come up with a benefits package that best suits your company’s needs.

Each Allen team member participates in accredited training and has several well-recognized employee benefit designations. Plus, our state-of-the-art technology brings to your desktop the latest news about regulations, compliance, health and wellness resources, communications tools and labor management guidance.

We’re here to help businesses and their HR professionals to navigate the complex array of choices in the benefits arena: Carrier-based packages, a voluntary benefits package to provide more choices and coverage at no cost to the business and guidance for the choices allowed under the Affordable Care Act.

Todd Anderson of French & Brawn of Camden and Dan Wyman of Allen Insurance and Financial.

Todd Anderson of French & Brawn of Camden and Dan Wyman of Allen Insurance and Financial.

 

Health Insurance

BUSINESSES: Allen Insurance and Financial works with hundreds of employers to design and implement employee benefit health insurance programs.

With the passage of the federal Affordable Care Act, health insurance is becoming more complicated; Allen is committed to working with groups to make sure that they understand all of the options available to them and to help them make the right choices both for their organization and their employees.

Flex Benefit plans and Health Savings Accounts (HSAs) can help employers and employees achieve coverage with maximum tax benefits at an affordable cost, while Wellness programs can yield long-term cost benefits…and keep your workforce healthier.

Many people rely on their employer to provide them with health insurance. Providing quality health insurance is one of the most important factors in attracting and retaining employees.

INDIVIDUALS: At Allen Insurance, we’ll show you a range of options and help you choose a health insurance plan that best fits you or your family members’ current financial and medical situation.

We’ll work with you on the Federal Health Insurance Marketplace (part of the Affordable Care Act), or, if circumstances require, be your liaison to an insurance carrier to find the right coverage for you and your family.

Sign-up is just the start. Our experienced health insurance specialists can work with you on all matters of claims and billing.

And if you travel for work or pleasure outside of the U.S., we have access to a wide array of insurance products to keep you covered when you’re abroad.

Life Insurance

Life insurance provides invaluable financial support and peace of mind to your family at a difficult time. The right policy can help achieve many goals:

  • Provide continuing income for your family members
  • Pay off debts you leave behind
  • Pay final expenses and taxes
  • Provide an estate for your loved ones
  • Leave money to charity

INDIVIDUALS:  Your Allen Insurance and Financial life insurance specialist can help you find the life coverage that’s right for you.

BUSINESSES: As employers, our clients can provide their employees with access to resources that can build financial confidence and provide a sense of personal responsibility.

Door-to-door salesmen are a thing of the past, but the need for life insurance still exists: it provides financial support and peace of mind to a deceased employee’s family at a difficult time. A group life insurance policy from Allen Insurance is an easy and inexpensive way to deliver this valuable benefit to your staff.

Ask your Allen Insurance specialist about term life insurance for your employees. As part of a group benefits package, it can cost very little, while allowing simplified medical underwriting, bypassing the need for individual medical exams.

 

Long-Term Care Insurance

With our rapidly aging population, more people than ever need to consider long-term care insurance. 

Allen Insurance and Financial works with our employee benefits clients to offer long-term care insurance to their employees.Offering this benefit can be an important factor in hiring and keeping experienced staff. At Allen Insurance and Financial, we offer a variety of employer-sponsored plans that allow employees, their spouses, parents, in-laws and other family members the chance to buy this insurance at group pricing.

We can also talk with you about long-term care insurance as part of your family’s insurance and financial planning.

“Long-term care” refers to the ongoing services and support needed by people who have chronic health conditions or disabilities. The specialists at Allen Insurance offer the knowledge you need to start planning for it today, so you can enjoy the level of service and support you want in the future.

The odds of needing such care are high:

  • Approximately 40% of people will need long-term care at some point during their lifetime after reaching age 65.
  • Approximately 14% of people age 71 and older have Alzheimer’s disease, a disorder that often leads to the need for nursing home care.
  •  Younger people may need long-term care too, as a result of a disabling accident or illness.

Understandably, many people put off planning for long-term care. But if you begin planning now, you’ll have more options open to you in the future.

The cost of a long-term care insurance policy depends primarily your age, but it also depends on the benefits you choose.

Following are some of the key features your Allen specialist will help you weigh:

  •     Benefit amount
  •     Benefit period
  •     Elimination period
  •     Care facility type
  •     Inflation protection

One more reason to consider this coverage: qualified long-term care insurance premiums can be tax-deductible.

Short-Term Medical Insurance

Transitions happen. Whether you’re between jobs and permanent health insurance plans or traveling to exotic lands, your Allen Insurance representative can show you an affordable plan that will meet your needs.

Allen Insurance represents ICH Group, which provides affordable short-term medical coverage. Open enrollment periods do not apply to short-term medical insurance plans, so you can sign up anytime.

When is Short-Term Medical Insurance Right for You?
  • You’re price sensitive and do not need coverage for any current health conditions
  • Between jobs
  • Waiting for employer benefits
  • Temporary or seasonal employment
  • Waiting for an open enrollment period

 

Click for  an IHC Group brochure

Please note: Short-term medical insurance is not a substitute for insurance required under the federal Affordable Care Act. Be sure to talk with an Allen Insurance and Financial representative if you have questions.

Disability Insurance

INDIVIDUALS: Disability insurance provides an income for the one in five people who will become disabled for a year or more before they reach age 65.

The specialists at Allen have access to a range of companies and coverages to meet all circumstances and situations, and will help you choose the policy that’s right for you and your family. We’ll work with you to determine the specific amount of coverage, policy premium and length of coverage that meets your needs—today as well as into the future

BUSINESSES: A well-designed disability insurance program can expedite an injured employee’s return to work, and help reduce the negative effects of absenteeism on company productivity.

Employees are working harder than ever simply to support to their families, so an interruption in work due to injury can be frightening. An employer-sponsored disability plan allows an individual to focus on healing secure in the knowledge that an income is being provided. It also demonstrates your commitment to employees’ financial security and well-being.

Allen Insurance not only offers a range of disability plans, but also provides guidance to ensure that your employees are actively managing their condition toward improvement and, if possible, return to work.