Life & Health

Today, providing health insurance benefits to your employees can very much affect your ability to hire and retain a great staff. Neely, Craig & Walton can help you navigate the many choices to find the most appropriate and affordable coverage for your employees.

• Life Insurance - Essentially is an investment savings plan that pays a tax-free sum to the beneficiary of the policy in the future - usually upon the death of the insured.
  
  
• Disability Income - Pays the insured person an income when that person is unable to work because of accident or illness.
  
  
• Employee Benefit Plans, including Group Major Medical and Self-Insured Health Plans - Companies may choose to provide these health and medical plans to their employees as part of their compensation package, thus saving money for the individual employee.
  
  
• Health Savings Accounts, Flexible Spending Accounts and Health Reimbursement Arrangements - These
  plans (which vary in details and specifications) allow business owners and their employees to set aside pre-tax income to pay for certain health-related goods and services not covered by their health plans or insurance.
  
  
• Individual Major Medical - Covers vital medical and surgical needs of the insured, and is available for those not eligible for coverage through a Group Major Medical Plan.
  
  
• Long-Term Care Insurance - When old age, or mental or physical illness, cause a person to need help with care – eating, bathing, dressing, movement (walking), and other activities – this coverage helps to pay for these special services.
  
  
• Key Executive Life Insurance - A business may choose to purchase a special life insurance policy on an individual or individuals felt to be essential to the operation and/or success of the company in order to cover losses incurred resulting from the death of the named executive.
  
  
• Buy-Sell Agreements - Assure the fair and orderly transfer of ownership interests in a private business upon the death or disability of an owner-partner. May vary on terms depending upon individual circumstances.

Life & Health Companies We Represent