Group Benefits, Qualified Retirement & Voluntary Payroll Deduction Plans

Employers need attractive group benefit plans that provide price stability and flexibility. If costs get out of hand, it may put the business at risk. The needs include:

• Life insurance


• Accidental death & dismemberment (AD&D)


• Supplemental life insurance


• Short-term disability


• Long-term disability


• Medical insurance


• Medical excess loss

Various types of tax-qualified retirement programs are also available to meet the objectives of any employer. These include:

• Defined-benefit pension plans


• Fully insured pension plans


• Money-purchase pension plans


• Profit-sharing plans


• Thrift plans


• IRAs


• 401(k) plans

Reference: Fully Insured Pension Plan Folder (Form 3400), Fully Insured Pension Plan Marketing Guide (Form 3401), Fully Insured Pension Plan Client Guide (Form 3403), Fully Insured Pension Plan Request for Proposal (Form 3405), Fully Insured Pension Plan Prime II Product Sheet (Form 3402), Fully Insured Pension Plan XEB Product Sheet (Form 3406), SEP IRA Employee Guide (Form 1440), SEP IRA Employer Guide (Form 1441), SIMPLE IRA Employer Guide (Form 5950), SIMPLE IRA Employee Guide (Form 5951), IRA Planning Client Guide (Form 5955), Comparison of Tax-Favored Retirement Plans (Form 1789), IRA Required Minimum Distributions Table (Form 2511).

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