life & benefits 

Life Insurance

We specialize ini term and annuity products at competitive rates.

Financial Services

Employers know an attractive benefit package can help attract and retain good staff. At Liberty, we act as consultants to review your present program or create and maintain the program that's best for you at a fair price. And rest assured, we always place your coverage with a financially stable insurance company.

Fully-Insured Health Plans

Your program might include a Section 125 "cafeteria" plan and/or pension plan, as well as group life, health and disability. We can also recommend a non-qualified plan for senior management and help with a buy-sell agreement, key person coverages, income continuation plan and more.

Fully or Partially Self-Insured Plans

Business owners electing to self-insure rely on us to handle the details of establishing adequate reserve levels and to establish your relationship with a dependable third-party administrator.

Managed Care Plans

Employers are turning with increasing frequency to this method of providing improved levels of coverage at reduced costs. Health maintenance organizations (HMO's) and preferred provider organizations (PPO'S) are the two most common types of managed care. An on-staff specialist in managed care will explain your choices and implement them.

Once you've approved a benefit plan, Liberty "installs" it, explaining to your employees what's covered and what isn't. And we're there for consultation year-round.

Estate Planning

Every financial program should include estate planning. Our goal is to help you build your estate and minimize the effect of taxes. To that end, we offer IRA's, annuities, mutual funds and the combination of life, health and disability insurance that's right for you, now and in the future.

Long-Term Care Insurance

Why purchase long-term care? To protect assets you've worked hard your wholel ife to accumulate.

• One out of every two people over the age of 65 will spend time in nursing homes.
• Medicare will not cover the costs of nursing home stays. Nursin ghome care can cost between $50,000 - $80,000 a year.
• Home health can cost between $12,000 and $50,000.
• 500,000 senior citizens deplete their life savings annually.

A Liberty Insurance advisor can provide you with the following:

• Long-term care insurance buyers guide
• Copy of consumer reports evaluation of LTC 1997
• A variety of 13 nationally recognized companies to choose from.
• Information on medicaid and how to qualify
• Information on NJ's laws that effect your long-term health care.
• Designing a plan to fit your personal needs.

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