Life, Health and Employee Benefits

The cost of health insurance for employees is one of the most pressing challenges that businesses face, yet studies consistently show that providing quality benefit packages are a very important part of employee satisfaction and retention strategies. The Simkiss Companies specialize in creating cost efficient programs which best fit your business’ needs and employee demographics. We also have years of experience providing key person insurance programs to protect a business against the financial impact of the death or disability of a key employee, as well as insurance to fund a buy-sell agreement among shareholders of a privately owned business.

Our professionals also provide customized individual life and disability programs for customers based on a review of their specific needs and goals. If the need of the client is to provide income replacement protection for their family, we can provide a full suite of term or permanent insurance products and individual disability products to most effectively meet these needs. If the client’s need is to use life insurance as a tax advantaged vehicle to fund for estate taxes as part of an overall wealth transfer plan, we can work with your financial advisors and attorneys to customize the proper policy to optimize your dollars. We have experience with and products to fit any size plan – from a relatively modest estate tax burden through cases in the hundreds of millions of dollars.

Some of the products and services we provide are:

“With the strong personal interest you exhibit in the needs of those you serve, I have little doubt that any firm (large or small), which is considered being represented by you, would find you to be an excellent broker, committed to representing their best interests”
—	Joseph A. Frick, President and Chief Executive Officer, Independence Blue Cross