Groups Benefits Insurance      
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    Group Insurance / Benefits

    Many businesses today face challenges in attracting and retaining top employees. As a business owner, you know the importance of employee benefits and their contribution to your business success. We will work with you to develop a program tailored to your individual circumstances.

    Dental Insurance

    Dental Insurance is one of the benefits most requested by employees. Many employers provide dental insurance for their employees, but a growing number of employers are offering this as a voluntary benefit that is paid 100% by the employee through payroll deductions. Most dental plans provide full coverage with a 100% benefit for preventive exams & cleanings, an 80% benefit for basic services such as fillings and root canals, and 50% benefit for major services and prosthodontics such as dentures, crowns, etc.

    Some dental insurance companies provide a dental buy-up plan which allows the employer to purchase a base plan, while employees purchase additional benefits as needed. Another newer option for dental insurance is a dual option plan that allows each employee to choose a basic plan or a more comprehensive plan based on his needs. This is a voluntary benefit, which means that each employee gets the coverage he needs for himself and his family.

    Group Health

    At Sun Insurance and Financial Associates, we are committed to health insurance for both our commercial customers, who need group coverage for their employees, as well as the individual or family that needs coverage.

    With the changing face of health insurance in today's market, we at Sun Insurance and Financial Associatesare staying abreast of the latest developments that will affect the coverage you expect as well as the cost impact upon you.

    We have the best health insurance markets available in our area, and we will always present to our customers the best options at the best price available.



    Group Life

    Life insurance is an integral part of most employee benefits packages. When provided by an employer, employees appreciate the value of life coverage and the additional security it provides to their families.

    Employers have a wide variety of optional plan designs to customize a Group Life plan. Optional coverages include Voluntary Life insurance, Supplemental Life coverage, Accidental Death and Dismemberment policies, and Dependent Life insurance. The premium paid for Group Life is generally a business ddeduction, and this stand-alone contract is usually less expensive than the life coverage provided with medical insurance.



    Group Vision

    A Group Vision plan is especially attractive for employers because it is inexpensive to offer, yet it's another employee favorite. This is a separate plan that provides coverage for eye exams and/or for frames, lenses and contact lenses. Many times the basic health plan may provide for routine eye examinations. However, it will usually not provide any benefit for frames, lenses or contact lenses; this is where a separate group vision benefit would be used.

    Health Savings Accounts (HSA)

    A Health Savings Account (HSA) helps you save money on health care. By making you a part of the medical services decision process, HSAs are designed to help you manage medical expenses and reduce the continuing raising of health care expenses. Equally as important, the money you save remains part of your retirement account, even if you leave your present employer. You can also save the money in your account and grow your account through investment earnings. Funds in the account can grow tax-free through investment earnings, just like an IRA In short, if you don’t use all the money in your HSA for medical expenses, it can accumulate as tax-free savings for your retirement. One final benefit, HSAs can pay for many more procedures than were ever allowed before by government sponsored programs. Health Savings Accounts help you save money on unavoidable expenses and build investment savings for your retirement.

    Account funds are used to cover medical expenses before the plan deductible has been met. Unspent account balances accumulate and accrue interest from year-to-year. Unlike amounts in Flexible Spending Accounts that are forfeited if not used by the end of the year, unused funds remain available for use in later years. Once the health plan’s annual deductible has been met, coverage resembles conventional insurance, typically in the form of a preferred provider organization (PPO) with little-to-no cost sharing for in-network services, and limits on total out-of-pocket costs.

    Key Person Coverage

    Your key employees are your most valuable business asset. Their skill, knowledge and experience are your real profit makers. Without them, the success and growth of your business could be in jeopardy. Key employee insurance is designed to protect your business from the adversities associated with the loss of a key employee, manager or executive. The death or disability of a key employee could result in a substantial financial loss due to hiring and training a replacement, lost sales, and/or slowed production.

    Long-Term Care (LTC)

    Long-Term Care is the type of care received either at home or in a facility, when someone needs assistance with activities of daily living, such as bathing and dressing due to an accident, an illness or advancing age.

    Rising life expectancy means that the potential need for "long-term care" grows with every passing year of your life. The likelihood is that you or a member of your family will need long-term assistance due to a prolonged illness, a disability, or general deterioration of your health and ability to perform routine daily activities. Most long term care expenses are not covered by Social Security or Medicare, Medicare Supplement ("Medigap"), or private health insurance. Medicaid pays for nearly half of all nursing home care, but you must meet federal poverty guidelines and may have to "spend down" most of your assets on health care.

    Long-Term Disability (LTD)

    In the event that an accident or illness prevents an employee from working for an extended period of time, the financial impact can be severe for the employee and employers. Long Term Disability (LTD) protection is designed to help cover the employee's expenses while their regular income is interrupted. Flexible plan design options and benefit alternatives are available to meet specific needs. This valuable protection is available with low-cost, tax-deductible premiums.

    Short-Term Disability (STD)

    A steady income is essential for most people. If an accident or illness interrupts that income, it affects both the employee and employer. Short Term Disability (STD) protection is designed to replace a portion of the wages lost when a short term disability occurs. An affordable, flexible STD plan can provide needed benefits to both the employer and employee.

     

  • GET A QUOTE: Call Toll Free (800) 707-4690
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    We write insurance policies through the following insurance companies in Los Angeles, Beverly Hills, Santa Monica, West Hollywood, Hollywood, Malibu, Bel Air, West Los Angeles, Westwood.:

     

    ACE Insurance
    ACE PRIVATE RISK SERVICES Insurance
    AIG Insurance
    AMERICAN CONTRACTORS IND Insurance
    AMERICAN STRATEGIC Insurance
    AMTRUST Insurance
    AMWINS Insurance
    ANDERSON & MURISON Insurance
    APPALACHIAN UND Insurance
    APPLIED UNDERWRITERS Insurance
    ARROWHEAD Insurance
    ATLAS Insurance
    BBSI Insurance
    BERKSHIRE HATHAWAY HOMESTATE Insurance
    BROWN & RIDING Insurance
    BUILDERS & TRADESMAN Insurance
    BURNS & WILCOX Insurance
    CALIFORNIA MUTUAL Insurance
    CBIC Insurance
    CENTURY NATIONAL Insurance
    CHARITY FIRST Insurance
    CHARTIS Insurance
    CHUBB Insurance
    CNA Insurance
    CNA SERVICE CENTER Insurance
    CNA - WESTERN SURETY Insurance
    CNA PRO Insurance
    COMMERCE WEST Insurance
    COMPWEST Insurance
    CSE Insurance
    DEANS & HOMER Insurance
    DONGBU INS CO Insurance
    EMC Insurance
    EMPLOYERS COMPENSATION Insurance
    EXPLORER Insurance
    FIDELITY & DEPOSIT Insurance
    FIREMANS FUND Insurance
    FIRST AMERICAN SPECIALTY Insurance
    FIRST COMP Insurance
    FOREMOST SPECIALTY Insurance
    FOREMOST AUTO Insurance
    FOREMOST BUSINESS Insurance
    GEOVERA Insurance
    GREAT AMERICAN Insurance
    GUARD INS CO Insurance
    HAGERTY Insurance
    HANOVER Insurance
    HARTFORD COMMERCIAL Insurance

    HARTFORD Insurance
    HARTFORD PERSONAL LINES Insurance
    HCC SPECIALTY Insurance
    HCC SURETY Insurance
    ICAT MANAGERS Insurance
    ICW Insurance
    INFINITY Insurance
    INSCO DICO Insurance
    K & K INSURANCE
    KEMPER PREFERRED Insurance
    KEMPER SPECIALTY Insurance
    LIBERTY MUTUAL Insurance
    LIBERTY MUTUAL SURETY Insurance
    LIG - Leading Ins Co Insurance
    MARKEL Insurance
    MCGRAW Insurance
    MEERCURY Insurance
    METLIFE Insurance
    MEXIPASS Insurance
    MIDWEST Insurance
    MJ HALL Insurance
    NATIONAL GENERAL
    NATIONWIDE LIFE Insurance
    NATIONWIDE Insurance
    NON PROFITS INS ALLIANCE Insurance
    ONE BEACON Insurance
    OLD REPUBLIC Insurance
    OREGON MUTUAL Insurance
    PACIFIC COMPENSATION Insurance
    PACIFIC GATEWAY Insurance
    PHILADELPHIA Insurance
    PREFERRED EMPLOYERS Insurance
    PROGRESSIVE Insurance
    RCA INSURANCE Insurance
    REPUBLIC INDEMNITY Insurance
    RLI SURETY Insurance
    RYAN SPECIALTY GROUP Insurance
    SAFECO Insurance
    STAR SURETY Insurance
    SELECTIVE FLOOD Insurance
    STILLWATER Insurance
    SUREPRODUCTS Insurance
    SURETY CO OF THE PACIFIC Insurance
    SURTEC INS CO Insurance
    TRANSGUARD INS CO Insurance
    TRAVELERS Insurance
    TRAVELERS COMMERCIAL SERVICE CENTER Insurance
    UCA Insurance
    ULICO Insurance
    UNITED FIRE Insurance
    UNITRIN/FINANCIAL INDEMNITY Insurance
    US ASSURE Insurance
    US RISK Insurance
    VICTORIA INS Insurance
    WRIGHT FLOOD Insurance
    ZENITH Insurance

     

     

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