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Tailored Solutions To Your insurance Needs

You can’t predict life’s challenges, but you can prepare for them.

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Making the insurance purchasing process easy to navigate


Plans are tailored to fit the needs of each individual client


Solutions that make a difference in the lives of our clients


We help make insurance premiums affordable for working families


Our service is the difference, client satisfaction is our ultimate goal
Our Insurance Solutions
   Group Life and Health

In order to be considered an employer of choice it is essential to have an insurance plan that meets the needs of the individual employee.

In an ever-changing business environment employee benefits are becoming more and more important. Group insurance provides coverage to better ensure the physical, mental and financial health of insured members and their families. Knowing they can benefit from such coverage is reassuring for both employers and employees.

  Group Dental and Vision

Dental and Vision care is essential to maintaining a healthy lifestyle.

Dental protection is important for good oral health which is vital to good overall health. Choices range from PPO-style and copay options to prepaid plans that work like a Dental Health Maintenance Organization (DHMO). Now that's something to smile about!

Vision care is essential to maintaining a healthy lifestyle. There are many plans to choose from, so you can offer your employees a valuable benefit at an affordable cost. Each plan includes access to a wide selection of frames, eyeglass lenses and contacts–– Plus, a comprehensive annual eye exam.

   Group Short and Long Term Disability

Disability policies offer employees the peace of mind of knowing they have income protection, should a disabling condition keep them out of work.

Short-term disability picks up where sick time leaves off. It replaces a portion of an employee’s income for disabling conditions that require short recovery times. You can choose the amount of time preferred. Three to six months or less is typical in most cases. Benefits are paid on a weekly basis.

Long-term disability protects and employee’s family income from extended absences due to a disabling long-term condition. You choose the length of benefits and the percentage of income that employees will receive during their absence. Benefits are paid on a monthly basis.

  Group Long Term Care

Our philosophy is simple — help protect families from the financial and emotional impact of long term care.

As America's population continues to age, many employees are feeling the impact long term care can have on their family directly or indirectly. Many are beginning to realize that they may ultimately be responsible for caring for their parents or themselves and are willing to purchase protection that can help – long term care insurance.

With all of this in mind, we design our group long term care insurance programs to fit employees' and their family's, needs and budgets, to keep implementation and enrollment simple, and to be there when it counts most - at time of claim.

  Group Medicare Supplements

A fluctuating economy and growing retiree population can put even more pressure on your organization to find reasonable solutions for retiree health care coverage.

Medicare supplement insurance plans are plans sold by private insurance companies to help limit the out-of-pocket costs associated with Medicare Parts A and B. These plans are designed to help pay for some or all of the costs that Original Medicare does not pay, such as coinsurance and deductibles.

For retirees age 65 and older who are enrolled in both Original Medicare Parts A and B, these plans offer a variety of coverage choices to help supplement Original Medicare Parts A & B and help reduce some of their health care costs.

  Group Life and Disability Buy-Out Plans

Consider the many financial challenges that business owners are facing when it comes to business continuation in the current economy. Lending, for example, is nowhere near as available as it was in pre-recession years. To depend on being able to borrow money to execute a business succession plan is nothing more than wishful thinking for most privately held businesses.

Appropriate pre-planning with life insurance means that there will be cash available, when needed, to complete a business succession plan. The proceeds can help pay taxes, complete a buy-sell agreement, provide liquidity while the company moves to a new leader, or a myriad of other calls on cash when ownership transitions.

A disability buy-out insurance plan is designed to provide the funds needed to purchase a disabled owner or partner’s interest in the business if they become disabled. Disability buy-out insurance should be made part of any business continuation plan or business succession plan as it will ensure that the disabled business owner receives a fair market value for his or her interest in the business. At the same time, it will protect all business owners from the threat that a disability may impose on the company by allowing them to buy-out the disabled owners interest at an agreed upon price set forth in a buy-sell agreement.

  Business Property and Casualty

Property and casualty insurance are often sold together in a lumped business policy called property casualty insurance. However, each type of insurance covers very different aspects of a business. Even though they usually are purchased in tandem, business owners should understand what each covers and how they protect the business.

Commercial property insurance covers your buildings and the contents of those buildings -- including inventory, equipment and other assets -- in the event of a loss. This coverage is important for businesses because it provides protection against losses from theft, accidents and other causes.

Commercial casualty -- or commercial liability -- coverage provides protection to a business against lawsuits for injury,property damage or negligence caused by the business. Most lenders and others with financial stake in a business require the business to have casualty coverage. Casualty insurance will protect a business if a customer gets hurt on the property.

For more information about J.O. Services Insurance

Email: services@joservicesinsurance.com