In the field of employee benefits, there are no permanent solutions. Our role as Broker/Consultants is to understand the intricacies of the product, the complexities of the marketplace, and assist the individual or organization in the design, development and implementation of programs that meet or exceed expectations. More importantly, to always act in the best interest of the client.
What We Do
  • Provide large case consulting to small to mid-size companies (employer groups from 2 to 500 employees)
  • Provide advise and assistance in the placement of Individual Life Insurance, Disability, Long Term Care and Health Insurance.
  • Provide superior customer satisfaction by the use of senior level personnel (10 or more years of experience) and the optimal use of technology.
  • Establish long-term relationship based on mutual respect and the confidence that our clients' goals and objective are our prime concern.
  • Act as client advocate, resource and support in the periodic review of products and services.
  • Take a solution-based approach to problems versus a sales approach (product sales).
  • Understand the goals, philosophies, and cultures of the company to better accomplish company objectives.
  • Provide the company with a perspective of what the marketplace is doing.
  • Provide Human Resource assistance in developing and refining Employee Handbooks, establishing Human Resource policy and integrating practices with the written document.
  • Furnish Benefit Outsourcing to enable small employers to focus on business related issues rather than insurance
Insurance Plans

Emil Frank Heljenek and Associates