Employee Benefits

KEEP YOUR EMPLOYEES HAPPY WITH GROUP BENEFITS

Axelrod Insurance Services provides group benefits to businesses in San Diego, Chula Vista, La Jolla, Escondido, El Cajon, Riverside, 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.

Axelrod 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 Axelrod Insurance Services to go over group benefit options for your business.

EFFECTIVE SOLUTIONS FOR MANAGING YOUR EMPLOYEES

Axelrod Insurance Services provides group disability insurance to businesses in San Diego, Chula Vista, La Jolla, Escondido, El Cajon, Riverside, and surrounding areas.

Happy employees make for a productive workplace, thus helping assure that they’re protected creates a more positive working environment. Axelrod 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?

Axelrod 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 Axelrod Insurance Services to set up a consultation

PROTECT YOUR EMPLOYEES AND YOUR BUSINESS

Axelrod Insurance Services provides voluntary benefits to businesses in San Diego, Chula Vista, La Jolla, Escondido, El Cajon, Riverside, and surrounding areas.

At Axelrod 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 Axelrod Insurance Services to go over all of the voluntary benefits solutions we offer.

BENEFITS THAT KEEP YOUR EMPLOYEES HAPPY

Axelrod Insurance Services provides group health insurance to businesses in San Diego, Chula Vista, La Jolla, Escondido, El Cajon, Riverside, and surrounding areas.

As an employer in today’s business world, Axelrod 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 Axelrod 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 Axelrod Insurance Services who can help you find a solution that’s ideal and feasible for you and your employees.

YOUR BIGGEST ASSET IS YOU

Axelrod Insurance Services provides disability insurance to individuals in San Diego, Chula Vista, La Jolla, Escondido, El Cajon, Riverside, 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 Axelrod 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 Axelrod 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 Axelrod 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.

PEACE OF MIND FOR YOU AND YOUR LOVED ONES.

Axelrod Insurance Services provides life insurance to individuals in San Diego, Chula Vista, La Jolla, Escondido, El Cajon, Riverside, 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 Axelrod 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 peace of mind you deserve.

Types of Individual Life Insurance

Axelrod Insurance Services offers several different coverage options for your consideration: term life, whole life, universal life, and variable life insurance.

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, variable 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.

Universal Life – Universal life policies are designed to be more flexible than other permanent Life Insurance. You are still guaranteed a death benefit for the duration of the policy as well as savings that accumulate cash value, but the flexibility of a Universal Life plan allows you to change certain aspects of your plan to accommodate life changes.

Depending on your options, you have the flexibility to change the overall value of the death benefit as well as the time and amount in which you pay your premium. This gives you the option to focus on building your policy’s cash value, or pay a lower premium and focus on guaranteed protection. It’s important to note that changes to your universal life policy can affect its guarantees and limits.

Variable Universal Life - With a variable universal life (VUL) Insurance policy, you get the same flexible benefits of Universal Life while being able to take advantage of potential economic growth in the stock market. Instead of creating a cash value for savings, the value of your VUL policy is invested in professionally managed funds that reflect the performance of the stock market. This also means that as the policy owner, you assume the risk and responsibility of monitoring your own investments.

Axelrod 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 Axelrod 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.