Part of our work at Surf Financial Brokers is helping businesses who wish to offer benefits to their employees. Through our network of agents, we help with dental, vision, disability, and life insurance, as well as cancer and critical illness plans, to name a few.
For the most part, the employees pay for these plans by having the premiums deducted directly from their paychecks by their employer. There are those occasions, though, when the employer doesn't want to deal with this process. We now have a way to deal with this situation.
We can offer the same benefits to employees on a non-payroll deduction platform, and at the same group rates! The employee can pay for the policies with a debit card or have the premium drafted directly from their bank account on a monthly basis. This keeps the employer from having to deal with billing while still allowing the staff to enjoy the same peace of mind that these policies offer.
And we can even set up a call center for the employees to use to enroll in these great benefits. For more information, give us a call or contact us through our website.
Monday, March 27, 2017
Monday, March 6, 2017
Life Insurance Check Up
Have you had an annual life insurance check up? It only takes a few minutes and could save your loved one a lot of pain down the road.
First, make sure you have enough life coverage. The easy way to do this is with our calculator. Plug in some numbers and get a total value. Make sure you have enough coverage to pay off debt, cover education costs for your kids, replace income and costs associated with death, such as an extended hospital stay. Don't forget to include final expenses, like burial or cremation fees, funeral expenses etc.
Second, make sure your beneficiaries are who you want. An irresponsible adult child or a deceased loved one may not be as suitable as you thought originally. Have your agent get you the correct forms for beneficiary changes.
Which leads us to the last part of the check up. Let your family know who to contact if they need help at your death. Life insurance agents come and go. The trusted agent you purchased your plan from may or may not still be in the business. If not, contact the company and request a new agent of record to help you. Leave this information available for your loved ones so they don't have to waste time and money to file your claim.
If you need help with any of these, let us know.
Surf Financial Brokers
First, make sure you have enough life coverage. The easy way to do this is with our calculator. Plug in some numbers and get a total value. Make sure you have enough coverage to pay off debt, cover education costs for your kids, replace income and costs associated with death, such as an extended hospital stay. Don't forget to include final expenses, like burial or cremation fees, funeral expenses etc.
Second, make sure your beneficiaries are who you want. An irresponsible adult child or a deceased loved one may not be as suitable as you thought originally. Have your agent get you the correct forms for beneficiary changes.
Which leads us to the last part of the check up. Let your family know who to contact if they need help at your death. Life insurance agents come and go. The trusted agent you purchased your plan from may or may not still be in the business. If not, contact the company and request a new agent of record to help you. Leave this information available for your loved ones so they don't have to waste time and money to file your claim.
If you need help with any of these, let us know.
Surf Financial Brokers
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