From Major Medical to Supplemental Plans - KBColton Benefits Can Help!

It takes a lot of time an energy to navigate the employee benefit world. Let us talk that pressure off of your shoulders and use our 20 years of experience to help you gain the best coverage at the lowest cost.

Supplemental Insurance for employees Pays cash on top of your medical plan

Our carrier Partners

Contact us for more info on our supplemental offerings.

Click To Schedule an employee benefits review call

Featured Employee Benefit Offerings

TransAmerica Group Life Insurance w/Long-Term Care!

TransElite® is universal life insurance that helps provide financial protection at a competitive cost, while also providing Long-Term Care coverage for your employees. The Need for Life with Long Term Care has become greater as employees have less options and are getting older. This plan is a voluntary employee benefits plan via payroll deduction with simplified billing for your company.

Guaranteed Issue plans up to $100k with 5 employee applications
Rates and Benefits are flexible to meet your individual needs and goals
The Living Benefit Rider allows you to use your Life Insurance benefits while you are alive to help with the cost of Long Term Care
The Universal Life Insurance policy accrues interest at a guaranteed rate of 3% and current rate of 5.25%
Coverage options range from $10,000 to $500,000
Available to purchase for Spouse, Children and Grandchildren
Fully portable at no increase in cost or reduction in benefit
Simple Guaranteed Issue underwriting with no medical test or physicals required

Boston Mutual Life & Long-Term Disability

Legacy Life Express can be a solid foundation that helps you build a long-term financial plan for you, your family or your business. Below are just a few of the ways Legacy Life Express can help.

Protect your family in their time of need.

Policy benefits can help to pay off your mortgage and other outstanding debts.

Policy loans or insurance benefits from the Legacy Life Express plan can help fund your children’s

education.

Cash value accumulation can be used through loans to supplement your retirement income,

while maintaining your valuable coverage.

A business can have a buy/sell agreement that is funded through a life insurance policy. Other business uses include – Split Dollar Agreement; Salary Continuation; Executive Bonus; Group Carve-Out; Deferred Compensation; Key Person Coverage.

Types of plans available through payroll deduction

Accident Insurance

Critical Illness Insurance

Accident insurance is designed to help pay out of pocket expenses related to an accident that occurs on or off the job. These plans also offer coverage for spouse and dependents, and cover motor vehicle, sports, and school accidents.

Critical Illness Insurance

No one wants to think or talk about these issues, but they happen every day. Cancer, strokes, heart-attacks and other critical illnesses are hard physically and emotionally, supplemental insurance helps the financial side, to ease the burden on one front.

Hospital Indemnity

Critical Illness Insurance

Hospital Indemnity

Most major medical insurance plans have a deductible, hospital co-insurance, or a hospital co-pay. Hospital indemnity plans help pay cash for overnight admissions, physician visits, ER visits, medical imaging and more.

Life Insurance

Short & Long Term Disability

Hospital Indemnity

Life Insurance can be a solid foundation that helps you build a long-term financial plan for you, your family or your business. Cash value accumulation can be used through loans to supplement your retirement income, while maintaining your valuable coverage.

Short & Long Term Disability

Short term disability, supplemental disability, nj state disability, ny state disability

You earned your paycheck, make sure and protect it! Most americans cannot miss one paycheck before being put in a difficult position. Disability plans pay above and beyond any state plan and help to protect your income and assets for a short or long period of time.

Dental Insurance

Short & Long Term Disability

Dental Insurance is the #1 ancillary benefit asked for by employees, however it is usually the first benefit eliminated by employers during budget cuts. We have plans with annual limits up to $2,300 per person, per year.

Offered via Payroll with 3+ participating employees, Or even on Direct Bill

Supplemental insurance is mostly offered through employers via payroll deduction. There is NO COST to the employer, and in most cases can even help offer a tax savings to the business and the employees. Some plans (accident, cancer) can be sold on a direct basis directly to the employer. Please contact us so we can walk you through the options for yourself, or your employees.

Contact us for more info on our supplemental offerings.

Click To Schedule an employee benefits review call