Commercial Insurance Services has partnered with industry leaders to offer a flexible range of health care insurance and retirement services. We can take care of all your employee benefit needs. Our scalable product offerings enable businesses of all sizes to offer benefits that will be attractive to their employees. Let us tailor a set of employee benefits that will help make you an employer of choice.
An effective employee benefits package is an integral part of any company’s effort to attract and retain the best possible employees. We look forward to helping you provide your employees with the best choices in insurance coverage.
Commercial Insurance Services provides cost-effective, easy-to-manage employee health benefit programs for your business. As employee benefit specialists, we customize, implement, and manage group health insurance plans that best meet the unique needs of each business and its employees.
Our knowledge of the ever-changing employee benefits and healthcare arena, combined with our strong relationships with key benefits providers, allows us to offer our clients the highest quality benefits programs at the most competitive prices. Because every business is different, we take the time to find the right health insurance plan for your employees.
Term Life Insurance provides a death benefit but no cash build-up or investment component. The premium remains constant only for a specified term of years, and the policy is usually renewable at the end of each term. While almost any term is available, Commercial Insurance Services has chosen to focus on 10, 15, 20 and 30 year terms.
While Whole Life Insurance is typically considered a rather conservative area of money management, there is still room both for risk-taking employees as well as fiscally-conservative ones. Whole Life Insurance offers the appealing and tangible benefit of guaranteed cash value. Whole Life Insurance will certainly appeal to those employees who like the safety and certainty of a sure thing. The low risk of Whole Life Insurance is reflected in its higher premiums.
Realistically, no working-age employee should be without disability coverage. In fact, at any given time, one has a greater chance of becoming disabled than of dying. Disability plans provide income replacement and benefits continuation if one is unable to work for an extended period of time.
Commercial Insurance Services is proud to help you provide your employees with the emotional and financial peace of mind that comes from the finest Long-Term Care coverage.
Long-Term Care insurance policies help to pay for certain long-term care, both medical and non-medical. Long-Term Care coverage can help prevent medical care costs from depleting your employees’ hard-earned savings. Additionally, Long-Term Care insurance allows for in-home care and that means your employees can maintain their dignity and independence.
Life/LTC/LTD Insurance Carriers
American National (ANICO)
Ameritas (Union Central)
William Penn (NY)
Fidelity Life (non-NY)
Lincoln Financial Group
Mutual of Omaha
Companion Life (NY)
National Life of Vermont