Products
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Cancer
Surprisingly, the need for and value of a Cancer-Specified Disease policy is often misunderstood not only by the employer and employee, but the group medical broker as well. Contrary to what many think, these policies can and should be designed to provide a family income during the course of treatment.
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Accident
An accident can wreak havoc on your employees' savings if they are not prepared. In many cases, it also affects the families' stream of income. The purpose of an Accident policy is to provide employees a cushion to help cover medical expenses and daily living costs when they get hurt unexpectedly.
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Critical Illness
A Critical Illness policy is designed to provide a lump sum cash benefit to help cover the out-of-pocket expenses associated with a Critical Illness diagnosis. The policy ‘triggers’ vary widely between products being offered.
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Disability
The employees and their families rely on their income. Employees purchase Disability Insurance to provide income for the family during accidents or illness.
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Living Benefits Life
The future is unpredictable. We want to allow employees to take themselves out of the guessing game. We have constructed a way to do that while providing the employee the most reliable source of retirement income available.
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Voluntary Permanent Life
Permanent Life Insurance allows employers an opportunity to offer financial protection at a fixed rate with a guarantee that coverage will be around as long as premiums are paid.
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Voluntary Term Life
For many, Group Term Life Insurance is a major economic security program of the typical American family. It allows the employee to obtain large amounts of death protection at minimal out-of-pocket costs.
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Section 125
Section 125 & Section 129 of the I.R.S. Code allows employees the ability to purchase needed benefits at the lowest out-of-pocket cost using pre-tax dollars. This tool allows us to provide maximum benefit at the lowest out-of-pocket cost.
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Telemedicine
Telemedicine has been found to be a valuable benefit for employers and employees. Telemedicine allows employees to immediately connect with a practicing doctor who is able to treat and prescribe medicine immediately about 90% of the time.
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Gold and Silver
Precious metals remain among the most reliable forms of money today. Historically, they have acted as a long-term store of value. Yet most pension plans do not offer any type of precious metal fund as a option.
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Individual Medical/Exchange
Many of our clients have family and friends who are either self-employed, work for a small company with no group health insurance or cannot afford the cost of the group plan dependent coverage. Understanding the problem and need, we have developed a national system which allows us to provide these people with the most affordable major medical policy in their area. This system also allows us to match plans which contains their doctors of choice. This includes choices exchanges if the individual qualifies for a subsidy.
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CBS 7 Protection
The Protection provided by CBS 7 is designed to effectively assist our clients with economic savings and for life's unexpected incidents. It is our goal to provide valuable benefits and privileges presented in an innovative comprehensive group membership solution at an affordable cost. The Protection Group has strong strategic alliances with providers committed to supplying quality services to help you manage life’s unexpected. Seven was developed to offer peace of mind specifically focused on protection for these every day needs.
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