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SMALL BUSINESS SOLUTIONS
You have built a successful business. Through your hard work, you have achieved your goals. Now, your responsibilities are even greater - you must ensure operating expenses are paid, and funds are available for your payroll and yourself. In addition, you are continuously watching your bottom line, trying to limit your businesses exposure to risk, and keep your employees satisfied.
We are here to help. Our solutions include:
Section 125 Cafeteria plans - Under the IRS tax laws, these plans allow qualified insurance products and certain expense accounts to be deducted pre-tax from an employees paycheck. This passes tax savings on to the employee, increasing take home pay. For the employer, it can reduce the payroll expenses and decrease FICA tax responsibilities. Most times we can implement and administer these plans at no additional cost to your organization.
Occupational accidental injury polices (for non-subscribers to workers comp) - Over the past few years, the use of accident insurance plans to provide coverage for employees injured on the job has greatly increased, and the forms, rating approach, and benefits available have changed to meet the demands of the employer. Corporate Accident for Responsible Employers (CARE) is the newest in the evolution of products to give employers choices in funding for coverage of accidental injuries on the job. The plan is designed to be used as a stand alone accident program to allow the employer to budget its costs properly. The employer can select the CARE benefit the best fits its needs. If you do not currently have workers comp, you may be eligible for this plan.
Business overhead expense and disability insurance - What would happen to your business if you, or another key person, suddenly became disabled by an accident or serious illness? The companies we represent offer a variety of disability income insurance options for small businesses. Choose a policy that protects your personal income if you are disabled, or a business overhead expense plan that pays your business expenses (salaries, rent, lease payments, utilities,etc.) in the event of your disability.
AFLAC - For just you...or you and a few employees...Aflac SB makes available some of the finest, most in-demand insurance policies in their class. Insured individuals pay their own way, own their own plans, and manage their cash benefits directly! Aflac has "compacted" the whole process-making it easy and effortless from the application to claims. You run your business. Aflac will proved a whole new level of comfort, security, and personal empowerment.
American Family Life Assurance Company of Columbus (Aflac).
Life insurance - Your priorities are providing for your family and keeping your business profitable. Don't leave it to chance that either would continue unscathed if you were not there to help make decisions and establish direction. Your premature death could seriously impact your operation and your loved ones. Make sure you protect what's important to you with life insurance plans to fund buy-sell, key person or business continuation arrangements. | 
Plans
