Business Products and Services

1. Employee Benefits
   1. Group Insurance coverages for Medical, Dental & Vision Benefits
   2. Group Insurance coverage for Short Term Disability and Long Term Disability
   3. Health Saving Accounts (H.S.A.)
   4. Level Premium and Partial Self Insurance Group Medical Plans
2. Business Life Insurance
   1. Life Insurance for Partners, Shareholders or Sole Proprieters
   2. Keyman Life and Disability coverage
   3. Disability Buy Out coverage
   4. Overhead Expense Protection
   5. Executive Compensation Plans
   6. Executive Estate Planning
   7. Business Valuations
   8. Analysis of Buy Sell Agreements
   9. Business Succession Planning
   10. Company Owned Life Insurance