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- Group Major Medical Insurance, including HMO, PPO, and HSA
- Dental Benefits
- Vision Care Benefits
- Flexible Benefits Accounts
- Group Life Insurance
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- Voluntary Benefits
- Long Term Disability Insurance
- Group Long-Term Care Insurance
- Group Financial Seminars
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Shared Funding:
Shared funding plans provide employers the opportunity to save on health care expenses by directly funding expected claims and buying insurance only for excess claims. These plans offer value for all employers that are disadvantaged by community rated plans. Business owners in California pay substantially higher premiums to subsidize groups with health problems. Shared funding is designed to provide an alternative that helps your business capitalize on your good health and low health care costs by actively participating in gaining control over your health insurance expenses.
Section 125
Premium Only Plan:
Our agency will provide at little or no cost a Premium Only Plan. This plan can increase the employee's take home pay without the employer coming out of pocket one dime. The plan takes the employee's out of pocket cost for their health insurance premiums and has it pre-taxed. The employee can save 30% (depending on the tax-bracket) and the employer benefits because they do not have to pay for the matching FICA, FUDA, SDA and in California those dollars allocated for health insurance premiums, are exempt from the Worker Comp wage base. All total, the employer can save about 10%, again without coming out of pocket.
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| Investments |
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- Stocks/Bonds *
- Mutual Funds *
- Coverdell Education Savings Accounts
- Brokerage Accounts
- Government Securities
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- Regular/Roth IRAs
- Variable Annuities *
- Fixed Rate Annuities
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Financial Strategies |
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- Business Continuation Strategies
- Deferred Compensation
- Disability Buyout
- Income Insurance
- College Funding Strategies
- Estate Conservation Strategies and Charitable Giving
- Buy-Sell Funding Arrangements
- SEP IRA
- Selective Executive Retirement Plans
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Retirement Funding
- 401 (k)
- 403 (b)
- Profit Sharing Plans
- Simple IRA
- Money Purchase Plans
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| Insurance |
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- Split Dollar Life Insurance
- Key Employee Insurance
- Term Life Insurance
- Universal Life Insurance
- Variable Universal Life Insurance *
- Whole Life Insurance
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- Personal Disability Income Insurance
- Business Disability Overhead Insurance
- Long Term Care Insurance
- Joint & Survivor Life Insurance
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Securities products offered through New England Securities
Member FINRA/SIPC.
Branch Office
950 Tower Lane, Tenth Floor # 1000
Foster City, CA 94404
(650) 286-5800
(Rowland Agency Inc., is not affiliated with New England Securities)
Approval Number: CD200405330
Expiration Date: 09-30-2008
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