Ancillary Benefits

Comprehensive Plan Design

Many agencies and consultants fail to put as much diligence and effort into the design of the ancillary benefit products, as they do for the group health plan. In fact, many agencies make ancillary benefit recommendations based primarily on commissions and other factors that have nothing to do with the quality of the product or the benefit to you and your employees.

At Insurance Office of America, we pride ourselves in ensuring that EVERY aspect of your benefit program is the absolute best product for your employees, without regard to commissions or other impertinent factors.

We use only top-rated Group Benefit carriers that:

• Pay standard commissions (typically 10%), saving you and your employees a great deal of money.
• Provide full disability benefits up to age 65.
• Offer group underwriting for disability (everyone who applies is covered as long as group participation levels are met).
• Offer guaranteed issue purchase of life insurance.