Coverage for Your Employees
Your business is a multifaceted machine that requires protection at every level. The people who make your business go deserve the assurance that they are covered at all costs. At Noltensmeyer Insurance Services, we understand that quality coverage options for your employees will ensure that your business attracts and maintains the best workers. At Noltensmeyer Insurance Services, we work hard to provide the best protection plans for businesses and their employees. Our coverage options for employees include:
Individual Life Insurance
Noltensmeyer Insurance Services provides life insurance to individuals in Houston, Sugar Land, Katy, Pearland, The Woodlands, Spring, and surrounding areas. Many individuals consider life insurance to be the cornerstone of a sound financial plan. And while no one likes to think about passing on, Life Insurance can relieve you of the financial worry your loved ones may face in the event of your passing. Your beneficiaries will be able to use your Life Insurance policy to help pay for anything from expensive funeral costs and estate taxes to making up for lost income or funding your child’s education. It can even be used to continue payments on your mortgage to help ensure that the family home stays in the family. At Noltensmeyer Insurance Services, we know that choosing a Life Insurance plan is a big decision with many important factors to consider. Our knowledgeable team of insurance professionals is committed to walking you through the process and providing you with the best insurance solution to give you and your family the reassurance they deserve.
Types of Individual Life Insurance
Noltensmeyer Insurance Services offers several different coverage options for your consideration including term life, whole life, and more. Term Life – This is typically the simplest and least expensive insurance option. Term life insurance provides coverage at a fixed rate for a specified period of time. It’s a benefit policy that’s used primarily to cover financial responsibilities of the insured, with the benefit to be paid only if the insured were to die during the specified term. Most term life policies can be converted to a more permanent insurance solution such as whole life or universal life insurance. There are two types of term life insurance:
- Annual Renewable Term is purchased for a period of one year, with the death benefit to be paid only if the insured were to die during that one-year term, along with the option to renew after the term period.
- Level Term Life guarantees a fixed premium for a given period of time, usually in terms of 10, 15, 20, or 30 years. Your premium is based on your age and coverage options, with longer terms being more expensive.
- Whole Life – As the most common type of permanent insurance, a whole life policy guarantees a death benefit for the lifetime of the insured as well as a cash value account for savings. Your premium remains constant throughout the duration of policy while payments over and above your premium are credited to your savings, which earn a fixed rate of interest.
Noltensmeyer Insurance Services is here for you
There are many things to take into account when purchasing life insurance, and changes in your life situation can reflect changes in your insurance requirements. That’s why it’s important to carefully consider the different policy options and ensure that you have the right solution to meet your long-term life insurance needs. An insurance specialist with Noltensmeyer Insurance Services will review your current life insurance situation and help you design a policy to plan for the future. At the end of the day, one of the biggest investments you can make is an investment in yourself. As your personal situations change (i.e., marriage, birth of a child or job promotion), so will your life insurance needs. Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, and has additional charges for riders that customize a policy to fit your individual needs.
Small Business Retirement Plans
Noltensmeyer Insurance Services provides retirement plans to small businesses in Houston, Sugar Land, Katy, Pearland, The Woodlands, Spring, and surrounding areas. For employees, having the right retirement plan in mind can provide the assurance of knowing that their income can continue to support their family once they retire. As a business, offering these plans to your employees can help ensure financial security and stability among your workforce. Noltensmeyer Insurance Services offers retirement plans with the needs of individuals and employees in mind, with tax-deductible contributions that keep your business needs in mind. We offer quality plans with benefits that create sound financial futures, such as:
- 401K Plans
- Pension Plans
Contact Noltensmeyer Insurance Services today to learn more about the benefits and advantages you can receive by offering a retirement plan that’s right for you and your employees. *Federal income tax laws are complex and subject to change. Neither Nationwide nor its representatives give legal or tax advice. Please consult your attorney or tax advisor for answers to specific questions.
Noltensmeyer Insurance Services provides employer-sponsored retirement plans to businesses in Houston, Sugar Land, Katy, Pearland, The Woodlands, Spring, and surrounding areas. As a business owner, it’s important to keep your employees happy so your business can run smoothly. Noltensmeyer Insurance Services understands the intricacies involved in running a successful business, which is why we offer employer-sponsored retirement plans that run at little to no cost for your employees. Your employees will be happy with the discounted services they receive, and the plan that your business offers is tax-deductible, ensuring satisfaction on both ends. With a quality retirement plan in place, your employees can rest assured that their earnings are safeguarded for the future. Your business will experience the benefits of having a happy, productive working environment. Here are some the employer-sponsored retirement plans we offer at Noltensmeyer Insurance Services:
- Tax-exempt earnings growth
Contact a representative at Noltensmeyer Insurance Services today to set up a consultation. *Federal income tax laws are complex and subject to change. Neither Nationwide nor its representatives give legal or tax advice. Please consult your attorney or tax advisor for answers to specific questions.
Noltensmeyer Insurance Services provides group benefits to businesses in Houston, Sugar Land, Katy, Pearland, The Woodlands, Spring, and surrounding areas. A single policy for all employees of the same company, along with their dependents, provides bottom line coverage for employers and employees alike. Under a group benefit plan, the employer or association will be issued a master policy that will be distributed to all employees working for that particular company. Noltensmeyer Insurance Services proudly offers these group benefits, plus many more:
- Group disability
- Life & accident
- Leave management
- Retiree health coverage
- Voluntary benefits
Contact a representative at Noltensmeyer Insurance Services to go over group benefit options for your business.
Group Disability Insurance
Noltensmeyer Insurance Services provides group disability insurance to businesses in Houston, Sugar Land, Katy, Pearland, The Woodlands, Spring, and surrounding areas. Happy employees make for a productive workplace, thus helping assure that they’re protected creates a more positive working environment. Noltensmeyer Insurance Services understands that income stability for workers isn’t enough. What happens if an employee can’t work due to a disabling illness or injury? Noltensmeyer Insurance Services provides group disability solutions that will assist employees in replacing parts of their income while they are absent from work, and will provide the expertise needed to reduce employee absences, ensuring that your business can continually run as efficiently as possible. Our group disability coverage options include:
- Short-term disability
- Long-term disability
- Statutory disability
- Absence management services
Contact an insurance specialist at Noltensmeyer Insurance Services to set up a consultation.
Noltensmeyer Insurance Services provides voluntary benefits to businesses in Houston, Sugar Land, Katy, Pearland, The Woodlands, Spring, and surrounding areas. At Noltensmeyer Insurance Services, we understand that in order to maintain a happy, productive workplace, you need to hold on to quality employees. The best way to keep employees happy is by addressing their concerns with a benefits package that fits their needs. If you work with them, they’ll work for you. Here are some of the voluntary benefits we offer:
- Disability services
- Life insurance plans
- Health insurance plans
- And more …
Contact a representative at Noltensmeyer Insurance Services to go over all of the voluntary benefits solutions we offer.
Group Health Insurance
Noltensmeyer Insurance Services provides group health insurance to businesses in Houston, Sugar Land, Katy, Pearland, The Woodlands, Spring, and surrounding areas. As an employer in today’s business world, Noltensmeyer Insurance Services knows how important it is to provide health insurance to the most valuable asset of your business – your employees. By providing each employee with a plan that meets his or her expectations, it can help your business lower turnover and keep a staff that’s healthy and insured with peace of mind. At Noltensmeyer Insurance Services, we’re proud to offer a variety of group health Insurance plans for small to mid-sized businesses – for quality assurance and additional benefits. Our health insurance specialists will work with you one-on-one to develop a group plan that’s not only affordable, but complements your business’s needs.
Which Plan is Right for your Business?
?Group health insurance plans typically include either indemnity plans, such as Fee-for-Service (FFS), or managed care plans, including: Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Point-of Service (POS). The major difference between Indemnity and managed care plans is the types of providers, choices of doctors and physicians, out of pocket expenses, and medical bill payments. Since group health insurance options vary from state to state in coverage options and benefits, as well as the size of your business, it’s important to discuss your business’s Health Insurance needs with a specialist at Noltensmeyer Insurance Services who can help you find a solution that’s ideal and feasible for you and your employees.
Noltensmeyer Insurance Services provides disability insurance to individuals in Houston, Sugar Land, Katy, Pearland, The Woodlands, Spring, and surrounding areas. When it comes to protecting your assets, one of the most important things you can insure isn’t a material object like your car or home – it’s your ability to work and earn a living. At Noltensmeyer Insurance Services, we know that like most people, you depend on your income to pay bills, put food on the table, and provide for your family. But if you get sick or injured and can’t work, you’ll need to be protected in order to maintain your standard of living. With disability income Insurance from Noltensmeyer Insurance Services, you can continue to pay your bills and keep you and your family from going into serious debt. If you can’t work as a result of injury or other illness, a disability insurance policy will pay a portion of your income, usually between 50 and 70 percent. Policies can vary greatly depending on the individual, and the duration and amount for which you are reimbursed are determined by the nature of the disabling accident. Like life insurance, disability is purchased for a period of time, such as a two or five-year term, and benefits will only be paid if you become disabled during the term of the policy. Choosing the right disability coverage is important. In the event you become disabled, you’ll want to ensure that you and your family have enough coverage. A representative at Noltensmeyer Insurance Services will look at the individual factors in your life and work situation, and help design the best policy that meets your personal insurance needs.