Areas of Expertise
GROUP HEALTH INSURANCE
Employers are looking for guidance when choosing the right Group Health insurance plan for their employees. They understand how important providing health insurance is in attracting and retaining employees. But they also must strike the right balance between employee expectations and the significant healthcare spending involved with a Health insurance program.
INDIVIDUAL HEALTH INSURANCE
Purchasing individual Health insurance can seem quite complicated today. From the Affordable Care Act (ACA) and its various provisions, to the endless options for Medicare Advantage, Medicare Supplement and Medicare Prescription Drug plans. PH&L can help you get the insurance that is best for your budget and meets your coverage needs.
GROUP LIFE INSURANCE
Increasingly more employers are offering Group Life insurance to their employees as an incentive to join and stay with their companies, or as part of their voluntary benefits to help individuals with their financial planning. PH&L can assist you in upgrading and enhancing your benefits package with Group Life insurance.
INDIVIDUAL LIFE INSURANCE
Life insurance offers much more than protection for your family in the event of an untimely death. It also serves as a financial planning tool that can be used to build value, perpetuate wealth, provide for an heir’s college education, protect a family business or establish a bequest for a charity. At PH&L our agents will meet with you to discuss your goals and financial needs to help determine what type of Life insurance product makes sense for you.
GROUP DENTAL INSURANCE
Dental insurance ranks right up there with health insurance for employees when evaluating the strength of an employee benefits plan. PH&L can help you offer a Group Dental plan to your employees based on your company needs. There are several choices we can review with you to determine what makes sense in terms of scope of coverage and cost.
individual dental insurance
PH&L Insurance can help you evaluate an Individual Dental plan for you based on your needs. There are several choices we can review with you to determine what makes sense in terms of scope of coverage and cost.