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Insurance Broker

We strongly believe that one of the advantages of working with an independent insurance broker is our ability to align your goals with the most suitable and highly rated insurance companies in the business. We are not captive to a particular company. Each company we represent has its own unique strengths and niches. Let us do the research for you and match the right company to your goals and objectives. Read more to learn about our broad range of services.

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Life Insurance

Many people use life insurance to protect their loved ones. However, you can also use life insurance to protect your current lifestyle and to prepare for a more secure financial future. A life insurance policy provides a dependable source of protection while its features offer you the flexibility to address other financial concerns.

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Mortgage Protection

Home is a pretty special place. It is also likely to be your largest financial obligation. Let us help you design a customized life insurance solution that can provide peace of mind that protects your family’s ability to stay in the home they love even if either you or your partner, pass away before the mortgage is paid off. Let us help you protect your home with life insurance.

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Employee Benefits

When choosing the right insurance carrier for your company, there are many factors to consider. We will help you design a new plan, or help you evaluate your existing benefits plan to make sure you have the exact coverage you need. We represent the most highly-rated group of insurance carriers that offer both group and individual products for your employees and their families to provide financial security. Let us help simplify and navigate the often confusing menu of options.

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Group Term Life

Group plans are usually offered through an employer and therefore are more affordable. However, coverage can be more limited than an individual plan purchased directly by an employee.Group Term Life Insurance is a simple way to protect your employees and their families from financial hardship. It provides coverage up to pre-set limits. Coverage is not portable should an employee retire or change jobs.

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Group Term Disability Insurance

Long-Term Disability (LTD) Insurance – Protect your income if illness or injury keeps you off the job for an extended period of time. It replaces a portion of your income that helps you and your family focus your attention on getting back on track.Short-Term Disability (STD) Insurance– Pays a portion of your salary if you must take off from work because of illness, injury, or maternity for a limited period of time.

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Voluntary Employee Whole Life

Some of the companies we represent offer a valuable complement to your employment benefits—permanent, portable life insurance. Even if you already have group term life insurance, you can get this extra protection with the convenience of automatic payroll deduction. This policy offers benefits like guaranteed premiums and guaranteed cash value growth. No medical exams are required, and coverage is also available to spouses, domestic partners, children, or grandchildren. It can provide a great supplement to your existing benefits package and can only be offered at the workplace at no direct cost to the employer.

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Business & Executive Solutions

Business Owners share a passion and commitment to developing their business. However, far too many of them are failing to put a plan in place to protect their businesses, their families, and themselves. Most businesses have key executives and employees that have helped them to become successful. We will work with your accountant or attorney to offer solutions and techniques for attracting, awarding, and retaining key staff.

Here are some of the insurance solutions we offer:- Key Employee Protection
- Deferred Compensation
- Long-Term Care Executive Carve Out
- Funding Buy/Sell Agreements
- Business Succession Planning
- Disability Income/ Buyout Planning

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Long-Term Care Planning

The need for Long Term Care is increasing as we continue to enjoy living longer lives. We help clients develop a Long Term Care strategy to protect their future and their families. Long Term Care can help protect nest eggs and retirement savings by providing benefits specifically designed to offset some of the impacts of costly long-term care services. What is your plan if you live a long life and need care? Who will provide the care and most importantly how will you pay for the care? Let us help you to design and purchase a policy that will put you in control of your future.

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Retirement Planning & Fixed Annuities

Fixed annuities are designed to accumulate tax-deferred money with principal that isn’t subject to market volatility. Annuities are generally considered a safer option than other investments. Not only do fixed annuities offer guaranteed interest accumulation but also protection for the principal sum, making them a fantastic option for retirement. You can create a dependable retirement foundation that can help grow your money over time—guaranteed—and even provide a regular income stream for life. It can help you live your retirement dreams with more certainty and keep those dreams on track

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Guaranteed Retirement Income

Today, many retirees can spend more years in retirement than they did in their working years. Many fear they will run out of money if they live too long. Let us help you create a guaranteed retirement income that you cannot outlive when you retire. We can help you set up an annuity with a portion of the retirement assets you already have, either with a one-time lump sum or a series of payments. Depending on the type of annuity, you can choose how to fund and when to receive income payments.

Immediate Annuities – Create a guaranteed income stream for life immediately. Some of our carriers even pay a dividend after the 1st anniversary of the contract.
Note: Dividends aren’t guaranteed and are declared each year by the mutual carriers The Harbs Group is appointed with.Deferred Annuities – Create a guaranteed income stream for life for a future date. You can contribute on a regular basis up to 13 months before your income start date. Some of our carriers even pay a dividend after the 1st anniversary of the contract.
Note: Dividends aren’t guaranteed and are declared each year by the mutual carriers The Harbs Group is appointed with.

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