Insurance & Financial Services

We represent our clients as we survey the marketplace to match or coordinate their financial objectives with the various products available. The following is a list of products, policies and plans we work with:

Insurance

• Life Insurance: Term, Return of Premium, Permanent, Whole Life, Variable/Universal, Survivorship
• Long Term Disability / Income Protection: Long Term Disability Plans, Optional Riders Include:
  • Cost of Living
  • Residual
  • Own Occupation
  • Lifetime Income
  • Guaranteed Insurability
• Retirement Services / Employer-Sponsored Retirement Services: Individual Retirement Accounts (IRAs), Simplified Employee Plans (SEPs) "Simple" Plans, Tax Deferred Annuities (403B)
• Long Term Care: Long Term Care Plans allow you to protect against the cost of Nursing Home Care, Home Health Care and Assisted Living Facilities.

Financial Services

• College Savings Plans: 529 Plans, Education IRAs
• Investment Services: Leading Mutual Fund Companies*
• Employee Benefit Plans: Specialists in providing Group Medical, Dental, Life Insurance, Short/Long Term Disability, Cafeteria Plans, Supplemental Benefit Plans

Individual Medical / Dental Plans Offered:

Quality Carriers that offer various comprehensive medical plans

• AETNA PRO (Cofinity PPO Network)
• ASSURANT (Cofinity PPO Network)
• BLUE CROSS / BLUE SHIELD of Michigan - PPO
• CELTIC INSURANCE CO. (Cofinity PPO Network)
• GOLDEN RULE / UNITED HEALTHCARE (Cofinity PPO Network)
• HUMANA ONE (Cofinity PPO Network)
• MEDICARE ADVANTAGE PLANS
  Private Fee For Service (PFFS) Plans

Medical Plans include plans with lower deductibles: $500 to high deductibles / Consumer driven Health Care Plans (CDHC) that can be coupled with a "Health Savings Account" Plan (HSA).

We can tailor a plan to fit your budget. Temporary medical plans or "Bridge Plans"; These plans provide affordable medical insurance while you're waiting for your employer sponsored coverage to commence. These plans can cover you (or applicable family members) from 30 - 180 days. These plans do not cover any pre-existing conditions.

* Investments offered by Concourse Financial Group Securities, Inc.