| Employee Benefits |
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| • 401K Programs |
•Benefit Comunications & Enrollment |
| • Existing Benefit Program Analysis |
• Salary Continuation Programs |
| • Group Health (Fully Insured & Self Insured) |
• Voluntary Payroll Deduction Plans |
| • Group Term Carve-Out Program |
• Negotiation for Products, Plans, Renewal and Administration |
| • Group Life, Disability & Dental |
• 125 Programs |
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| Individuals and Families |
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| |
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| • Buy-Sell Funding |
• Audits for Existing Programs |
| • Joint and Suvivor Funding |
• 162 Bonus plans |
| • Annuities |
• Supplemental Pension Programs |
| • Policy/Company Analysis |
• Funding for Estate Tax Liability |
| • Key-Person Life Insurance |
• Individual Disability Products |
