Insurance & Financial Services

We represent our clients as we survey the marketplace to match or coordinate their financial objectives with the various products available. The following is a list of products, policies and plans we work with:

Insurance

  • Life Insurance: Term, Return of Premium, Permanent, Whole Life, Variable/Universal, Survivorship
  • Long Term Disability / Income Protection: Long Term Disability Plans, Optional Riders Include:
    • Cost of Living
    • Residual
    • Own Occupation
    • Lifetime Income
    • Guaranteed Insurability
  • Retirement Services / Employer-Sponsored Retirement Services: Individual Retirement Accounts (IRAs), Simplified Employee Plans (SEPs) "Simple" Plans, Tax Deferred Annuities (403B)
  • Long Term Care: Long Term Care Plans allow you to protect against the cost of Nursing Home Care, Home Health Care and Assisted Living Facilities.

Financial Services

  • College Savings Plans: 529 Plans, Education IRAs
  • Investment Services: Leading Mutual Fund Companies*
  • Employee Benefit Plans: Specialists in providing Group Medical, Dental, Life Insurance, Short/Long Term Disability, Cafeteria Plans, Supplemental Benefit Plans

Individual Medical / Dental Plans Offered:

Quality Carriers that offer various comprehensive medical plans

  • AETNA PRO (Cofinity PPO Network)
  • ASSURANT (Cofinity PPO Network)
  • BLUE CROSS / BLUE SHIELD of Michigan - PPO
  • CELTIC INSURANCE CO. (Cofinity PPO Network)
  • GOLDEN RULE / UNITED HEALTHCARE (Cofinity PPO Network)
  • HUMANA ONE (Cofinity PPO Network)
  • MEDICARE ADVANTAGE PLANS
    Private Fee For Service (PFFS) Plans

Medical Plans include plans with lower deductibles: $500 to high deductibles / Consumer driven Health Care Plans (CDHC) that can be coupled with a "Health Savings Account" Plan (HSA).

We can tailor a plan to fit your budget. Temporary medical plans or "Bridge Plans"; These plans provide affordable medical insurance while you're waiting for your employer sponsored coverage to commence. These plans can cover you (or applicable family members) from 30 - 180 days. These plans do not cover any pre-existing conditions.

* Investments offered by Concourse Financial Group Securities, Inc.

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