Life Insurance
We specialize in 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 relatonship 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. |