Group Benefits

Group Health Insurance 
Group health insurance coverage is a policy that is purchased by an employer and is offered to eligible employees of the company (and often to the employees’ family members) as a benefit of working for that company. A group health insurance plan is a major part of many employee benefits packages that employers provide for their employees. 

Group Life Insurance
Group life insurance (also known as wholesale life insurance or institutional life insurance) is term insurance covering a group of people, usually employees of a company, members of a union or association, or members of a pension or superannuation fund. Individual proof of insurability is not normally a consideration in the underwriting. Rather, the underwriter considers the size, turnover, and financial strength of the group.

Group Disability Insurance
Group Disability Insurance is a type of group insurance that provides regular income replacement payments to an insured member of the group in the event of an eligible disability resulting from illness or injury. Coverage is generally offered in two types: short-term disability (STD) or long-term disability (LTD).

Group Accident/Supplemental Insurance
Supplemental insurance is extra or additional insurance that you can purchase to help you pay for services and out-of-pocket expenses that your regular insurance does not cover in the event of an accident or other covered loss.

Group Dental/Vision Insurance
When organizations want to offer the best dental and vision care benefits to attract and retain the best employees they need to work with our group dental and vision experts. We have access to the benefit plans that will keep your group members, employees, and their families healthy. 

At Unified Financial Group, we understand that a comprehensive employee benefits package is essential for attracting and retaining top talent. In addition to our existing group health, life, and disability insurance offerings, we are pleased to introduce a suite of group retirement plans designed to support your employees’ financial futures.

Group Retirement Plan Options:

• 401(k) Plans: Empower your employees to save for retirement with pre-tax contributions, potentially complemented by employer matching. This plan offers a range of investment options to suit diverse risk appetites and retirement goals.

• Annuities: Provide your employees with a reliable income stream during retirement. Annuities can be tailored to individual preferences, offering options for fixed or variable payments over a specified period or for life.

• Individual Retirement Accounts (IRAs): Enhance your benefits package by facilitating access to Traditional or Roth IRAs. These accounts offer tax advantages and flexible investment choices, allowing employees to personalize their retirement savings strategy.

• Indexed Universal Life Insurance (IUL): Combine life insurance protection with the potential for cash value accumulation linked to market indexes. IUL policies offer tax-deferred growth and can serve as a versatile component of a retirement planning portfolio.

By integrating these retirement solutions into your employee benefits, you not only aid your staff in achieving their long-term financial objectives but also demonstrate a commitment to their overall well-being. Our team at Unified Financial Group is dedicated to assisting you in selecting and implementing the most suitable retirement plans for your organization.

For more information or to discuss how these options can be tailored to your company’s needs, please contact us today.