Secure Benefits Northeast
Business Management and Strategic Planning ConsultantsHealth Insurance
Key Person and Executive Supplemental Benefits
a. Supplemental Retirement Plans
b. Supplemental Life Insurance Programs
Disability Income Protection Planning and funding for needs should a disability occur (5 times more likely than death pre-age 65)
Business Valuation (95% of business owners do not know the value of their business as a going concern, or in an emergency situation such as death or disability or a calamity such as a fire.)
Business & Professional Practice Succession Planning & Funding
Quarterbacking long term planning for businesses and professional practices so that succession, buy-sell arrangements or other options are in place when needed, whether by design, disability, death or other circumstances.
Life and disability income insurance portfolio reviews. Reviews are not done as frequently as they should be. This can result in underinsurance that does not fully protect income or business or practice value and can also result in policies not retaining enough policy value to avoid termination earlier than anticipated. It is pretty sad when a policy lapses because the yield was less than projected as an insured ages and can no longer afford or qualify for new coverage.
Finding Key Employees Programs that attract and retain key employees with control remaining with the employer.