Insurance Products:

Group Benefits

At Affinity Agency Group our goal is to provide extra-ordinary service while providing innovative ideas and solutions to meet your insurance needs.  We are independent advisors and represent top-rated insurance carriers and their products.

Employer Paid Group Benefits:
We design and administer customized employee benefit programs.

• Health Insurance (HMO, POS, PPO)
• Alternative funding strategies (HRA, HSA; self funding plans)
• Dental
• Vision
• Group Life Insurance & AD&D
• Group Disability
• Group Long Term Care

Employer Sponsored/Employee Paid Benefits:
Underwritten on a group basis, with Guaranteed or Simplified medical underwriting requirements.

• Voluntary Term Life Insurance
• Voluntary Permanent Life Insurance
• Voluntary Personal Disability Insurance
• Voluntary Long Term Care Insurance
• Accident, Cancer, and Critical Illness Insurance

Business Insurance Programs:
Designed to protect and retain the key executives and transition the company in the event of retirement, untimely death, or disability.

• Company Owned Life Insurance
• Key Man Disability Insurance
• Key Man Life Insurance
• Business Overhead Disability Insurance
• Buy/Sell Life Insurance
• Disability Buyout Insurance
• Deferred Compensation Programs               
• Long Term Care Insurance
• Executive Bonus Plans
• Business Succession Plans

Individual Insurance Services:
As part of our service proposition we will meet personally with employees and design individual financial plans; explain their employer sponsored benefits, and where appropriate recommend additional coverage’s not offered by their employer.

• Term Life Insurance
• Personal Disability Insurance
• Universal & Whole Life Insurance
• Long Term Care Insurance
• Second to Die Insurance
• Fixed Rate Annuities
• Irrevocable Trust Owned Insurance
• Immediate Annuities