Most group life insurance plans have benefit restrictions and portability limitations that adversely impact employees. Many companies offer their employees high-value supplemental coverage in the form of permanent life Insurance. Permanent Life Insurance can provide benefits that are not typically available in group plans, such as true portability, level premiums and tax-deferred cash value accumulation.

Determining what’s right means weighing factors. Balser considers the coverage the company is offering and recommends enhanced solutions for employees including; true portability, level premiums, and tax-deferred cash value accumulation. Our designs result in a lower cost of coverage and less exposure to future rate increases, as well as recoverable premium cost for companies, low cost for employees, guaranteed issue / simplified underwriting (No medical examination required), portable lifetime coverage, tax deferred cash values, and highly flexible benefits