Being Prepared
When The Unexpected Happens

Individual Health Benefits

Let’s face it knowing what health benefits are best for you is complicated. You want your benefits to work for you and make it easy to report and receive compensation from. Plus, the continued change in the market makes it hard to know what direction to go, when it comes to time to enroll. Let dedicated and knowledgeable professionals from EBD guide you through the enrollment process.

Short Term Protection

Added protection as you need it. If a temporary short term/hospital indemnity plan is needed, you can find options to boost your coverage. These plans may require a pre-existing condition exclusion provision and must be renewed during the year, you also risk being declined coverage based on health conditions.

Retirement Planning

EBD account managers will know your whole scope and are great partners in making sure your retirement inputs are aligned with your personal goals. They’ll identify income sources, expenses, help implement a savings and investment plan and help you in managing assets and risk.

Term & Whole Life Insurance

With our extensive network of providers and our bulk buying power, we can shop at incredible rates for both term and whole life insurance. If you’re an employer this is an expensive option to improve your benefits package by offering it as a voluntary benefit add-on. What’s better than ensuring your family is taken care of if you’re unable to.

Health Savings Accounts

Want to ensure your employees’ needs are being met as medical expenses happen? An HSA will allow you to contribute monthly into an account, tax free, and those dollars can then be used to cover qualified medical expenses, like copays, deductibles, coinsurance and more.

Disability Income

A voluntary benefit that holds more importance in manual labor and physical in nature occupations. Different injuries/incidents can render your employees unable to work and receive income they depend on to live. Disability insurance allows the employee to protect their income, in such an occurrence. These products may include a pre-existing condition exclusion provision and could possibly be declined coverage based on current health.

Personal Umbrella

If your place of business has a higher probability to have bodily injury, job related medical expenses, product liability, customer property damage, libel/slander/copyright infringement or the regular occurrence of a lawsuit, an umbrella policy may be an added supplement to your coverage. Your umbrella insurance will prove additional coverage to protect you and your business (and its assets) from financial risk, offering you more peace of mind and security.

Business Planning & Succession

As a business owner, you as an individual will need guidance outside of your business benefits. Our team will have the inside scoop on your business, know where you need to grow and how you can minimize risk. Why look for outside council when we can do it all for you. Plus, when it’s time to succeed, we’ll help develop a succession plan with you, your successor, and your employees in mind, helping it be a smooth transition into retirement.

Long Term Care

Long-term care planning services help individuals, and their families prepare for the possibility of needing extended medical care later in life. These services assess the individual’s risks and needs, develop a plan to fund long-term care (e.g., through insurance or savings), and advise on care options. The services also help individuals navigate the complex legal and financial aspects of long-term care, such as Medicaid planning and estate planning. Having a long-term care plan in place can provide peace of mind and ensure that individuals receive the care they need without depleting their life savings. Long-term care planning services help individuals, and their families prepare for the possibility of needing extended medical care later in life. These services assess the individual’s risks and needs, develop a plan to fund long-term care (e.g., through insurance or savings), and advise on care options. The services also help individuals navigate the complex legal and financial aspects of long-term care, such as Medicaid planning and estate planning. Having a long-term care plan in place can provide peace of mind and ensure that individuals receive the care they need without depleting their life savings.

Financial Services

Tax Qualified IRA. A tax-qualified IRA is a type of individual retirement account that meets the Internal Revenue Service’s (IRS) regulations for tax deductibility and eligibility. This means that contributions to a tax-qualified IRA are generally tax-deductible and grow tax-free until withdrawal and are subject to certain contribution limits and withdrawal rules. Tax-qualified IRAs can be either traditional IRAs or Roth IRAs, each with its own set of regulations and benefits. It’s important to understand these regulations and work with a financial advisor to make informed decisions about your retirement savings.

Roth IRA. A Roth IRA is a type of individual retirement account that allows account owners to save after-tax dollars that grow tax-free and are withdrawn tax-free in retirement. Unlike traditional IRAs, no tax is paid when money is withdrawn, as contributions are made with after-tax dollars.

Annuities. Annuities are financial contracts sold by insurance companies that provide regular income payments to the holder in exchange for a lump sum investment, either immediately or later on, and can provide a guaranteed income stream in retirement.

Variable Life Insurance. Variable life insurance is a type of permanent life insurance policy that allows policyholders to invest a portion of their premiums in a range of investment options, such as mutual funds, stocks, and bonds, with the potential for tax-deferred growth of cash value.

Individual Accounts. Individual accounts are a type of financial account that is owned and managed by a single individual and typically includes accounts such as savings accounts, checking accounts, brokerage accounts, and individual retirement accounts (IRAs). These accounts can be used by individuals to manage their personal finances, save for the future, invest in various financial products, and access credit or loans.

Joint Accounts. A joint account is a type of financial account shared by two or more individuals, allowing each account holder equal access to the funds and the ability to withdraw or deposit money into the account.

International Vacation Health Coverage

International vacation health coverage is a type of travel insurance that provides medical coverage and assistance for individuals traveling outside of their home country. It covers medical emergencies, such as accidents or illnesses, and can include emergency medical evacuation, repatriation of remains, and emergency travel assistance services. This coverage can help travelers avoid hefty medical bills in foreign countries and can also provide peace of mind by ensuring access to quality medical care when traveling abroad.