• Select Insurance Group
    A Whole New Way of Thinking
  • PROFESSIONAL TEAM
    ▪ Benefits Consultants ▪ Attorneys ▪ Actuaries ▪ Accountants ▪
    ▪ Risk Managers ▪ Healthcare Professionals ▪ Financial Planners ▪
  • NAVIGATION
    THROUGH
    HEALTH
    CARE REFORM
    Guidance for Employers and Employees
  • ▪ NATIONAL SCOPE ▪
    ▪ LOCAL SERVICE ▪
    Local Advisors across the country to provide presonal service
  • SMALL BUSINESS
    AND
    MID-MARKET SPECIALISTS

    Options You Never Before Thought Possible

A Whole New Way of Thinking about

  • Employee Benefits
  •  •  Executive Compensation
  •  •  Risk Management

At Select Insurance Group we have only one objective in mind – delivering solutions for our clients. Far too often businesses, governments and individuals view employee benefits and risk management as simply a choice between one insurance policy or another. While that may have been adequate 20 years ago, the complexities of the new century require a more personal, integrated and dynamic approach We would like to introduce you to A Whole New Way of Thinking!

 

BUSINESSES

Providing a comprehensive benefits package is one of the highest costs of operating a business – particularly for small to mid-market employers (2-500 employees). We offer a full range of employee benefits and executive compensation benefits to help employers recruit, retain, reward and motivate employees.

The 401Rx PlanTM

The 401Rx PlanTM is designed to help business owners and employees pre-fund the health care expenses they will incur in retirement. According to Fidelity Investments, a 65-year-old couple retiring in 2012 will need $240,000 to pay medical expenses through retirement. This figure assumes Medicare remains solvent and does not change and this figure does not include over-the-counter medications, vision, dental and long term care – when those are added the amount needed exceeds $500,000! The 401Rx PlanTM allows prefunding of these expenses while still working, with tax deductible contributions, tax free growth, and tax free withdrawals for qualified medical expenses.

The Health Options PlusTM (Health Option Plan for Employees)

This is not simply a health insurance policy – It is a comprehensive and multi-faceted health care strategy designed specifically for the self-employed, franchisees and independent contractors.

  • 24 Hr. RN Hotline
  • Biometric Blood Test
  • Personal Health Coach
  • Personal Written Health Plan
  • Individual/Family Counseling
  • Healthcare coordinator

The Kai-Zen PlanTM

Depending upon your employment circumstances you may be able to take advantage of this leveraged 162 executive benefit plan. Under The Kai-Zen PlanTM you can not only provide a valuable life insurance benefit for your family but you can also significantly increase your retirement savings. The best part is that we have already made arrangements with several banks that will provide $3 of funding for every $1 you contribute and you have no personal liability on the loan.

The ABIL PlanTM

The ABIL PlanTM is specifically designed for high net worth families who need assistance with funding estate taxes, buy/sell agreements and wealth transfer issues.

Voluntary Benefits

All employees are not the same. Your family may have needs that differ from the needs of your co-workers. To assist employees in planning for the uncertainties of life our Advisors can work with you on an individual basis to discuss your Voluntary Benefit options. Although your employer will not pay any portion of the costs for these benefits you may be surprised at how inexpensive total risk protection can be.

  • Cancer
  • Critical Illness (heart attack, stroke, etc.)
  • Long Term Disability
  • Short Term Disability
  • Long Term Care
  • Vision
  • Dental
  • Accident
  • Pre-Paid Legal
  • Life Insurance

Financial Risk Management

Our Advisors work closely with individuals and families to help you guard against financial risks resulting from death, disability, sickness, injury, catastrophic loss to property, inadequate retirement savings, long term care and post-retirement health care expenses. What sets A.R.G. apart from other advisors is our ability to blend both Traditional and Non-Traditional Strategies.

Traditional

  • Life & Health Insurance
  • Accident Insurance
  • Short Term Medical Insurance
  • Automobile Insurance
  • Traditional IRAs & Roth IRAs
  • 401K Management
  • Section 529 College Plan
  • Stocks, Bonds and Mutual Funds

Non-Traditional (minimum income and net worth requirements may apply)

  • Captive Insurance Company
  • Private Placement Life Insurance
  • High Limit Disability (to $250,000/month)
  • Oil & Gas
  • Motion Pictures
  • Self-Directed IRAs
  • Private Equity

GOVERNMENTS

Providing a comprehensive benefits package is one of the highest costs of Governments. We offer a full range of employee benefits pension and OPEB funding solutions benefits to help governments recruit, retain, reward and motivate employees.

The 401Rx PlanTM

The 401Rx PlanTM is designed to help business owners and employees pre-fund the health care expenses they will incur in retirement. According to Fidelity Investments, a 65-year-old couple retiring in 2012 will need $240,000 to pay medical expenses through retirement. This figure assumes Medicare remains solvent and does not change and this figure does not include over-the-counter medications, vision, dental and long term care – when those are added the amount needed exceeds $500,000! The 401Rx PlanTM allows prefunding of these expenses while still working, with tax deductible contributions, tax free growth, and tax free withdrawals for qualified medical expenses.

Health Options PlusTM (Health Option Plan for Employees)

This is not simply a health insurance policy – It is a comprehensive and multi-faceted health care strategy designed specifically for the self-employed, franchisees and independent contractors.

  • 24 Hr. RN Hotline
  • Biometric Blood Test
  • Personal Health Coach
  • Personal Written Health Plan
  • Individual/Family Counseling
  • Healthcare coordinator

The ABIL PlanTM

The ABIL PlanTM is specifically designed for high net worth families who need assistance with funding estate taxes, buy/sell agreements and wealth transfer issues.

Voluntary Benefits

All employees are not the same. Your family may have needs that differ from the needs of your co-workers. To assist employees in planning for the uncertainties of life our Advisors can work with you on an individual basis to discuss your Voluntary Benefit options. Although your employer will not pay any portion of the costs for these benefits you may be surprised at how inexpensive total risk protection can be.

  • Cancer
  • Critical Illness (heart attack, stroke, etc.)
  • Long Term Disability
  • Short Term Disability
  • Long Term Care
  • Vision
  • Dental
  • Accident
  • Pre-Paid Legal
  • Life Insurance

INDIVIDUALS & FAMILIES

Even if your employer does not provide healthcare and retirement benefits our multi-disciplinary team of advisors can help you develop a plan that is both meaningful and within your budget. The features and links listed below for Employees can also be implemented as part of a plan for you and your families. In addition you might also want to consider:

The Kai-Zen PlanTM

Depending upon your employment circumstances you may be able to take advantage of this leveraged 162 executive benefit plan. Under The Kai-Zen PlanTM you can not only provide a valuable life insurance benefit for your family but you can also significantly increase your retirement savings. The best part is that we have made arrangements with several banks that will provide $3 of funding for every $1 you contribute and you have no personal liability on the loan.

The ABIL PlanTM

The ABIL PlanTM is specifically designed for high net worth families who need assistance with funding estate taxes, buy/sell agreements and wealth transfer issues.

Financial Risk Management

Our Advisors work closely with individuals and families to help you guard against financial risks resulting from death, disability, sickness, injury, catastrophic loss to property, inadequate retirement savings, long term care and post-retirement health care expenses. What sets A.R.G. apart from other advisors is our ability to blend both Traditional and Non-Traditional Strategies.

Traditional

  • Life & Health Insurance
  • Accident Insurance
  • Short Term Medical Insurance
  • Automobile Insurance
  • Traditional IRAs & Roth IRAs
  • 401K Management
  • Section 529 College Plan
  • Stocks, Bonds and Mutual Funds

Non-Traditional (minimum income and net worth requirements may apply)

  • Captive Insurance Company
  • Private Placement Life Insurance
  • High Limit Disability (to $250,000/month)
  • Oil & Gas
  • Motion Pictures
  • Self-Directed IRAs
  • Private Equity

EMPLOYEES

We recognize that employees are people first and many have unique needs that differ from those of their co-workers. When an employer’s benefits package leaves gaps in coverage we work with individual employees to help them tailor a benefits package to meet their unique needs.

Health Options Plus PlanTM

The Health Options PlusTM is a comprehensive supplemental benefits plan that can help you reduce the upfront costs and coverage gaps of your current health plan. It is also available for individuals and families that do not have group health insurance.

  • 24 Hr. RN Hotline
  • Biometric Blood Test
  • Personal Health Coach
  • Personal Written Health Plan
  • Individual/Family Counseling
  • Healthcare coordinator

The Kai-Zen PlanTM

The Kai-Zen PlanTM is a leveraged benefit plan that can not only provide you with a valuable life insurance benefit for your family but can also help significantly increase your retirement savings. The best part is that we have made arrangements with several banks that will provide $3 of funding for every $1 you contribute and you have no personal liability on the loan. This is available as a Voluntary Benefit Plan which means that you can participate in the plan even if it is not offered by your employer.

Voluntary Benefits

All employees are not the same. Your family may have needs that differ from the needs of your co-workers. To assist employees in planning for the uncertainties of life our Advisors can work with you on an individual basis to discuss your Voluntary Benefit options. Although your employer will not pay any portion of the costs for these benefits you may be surprised at how inexpensive total risk protection can be.

  • Cancer
  • Critical Illness (heart attack, stroke, etc.)
  • Long Term Disability
  • Short Term Disability
  • Long Term Care
  • Vision
  • Dental
  • Accident
  • Pre-Paid Legal
  • Life Insurance

Financial Risk Management

Our Advisors work closely with individuals and families to help you guard against financial risks resulting from death, disability, sickness, injury, catastrophic loss to property, inadequate retirement savings, long term care and post-retirement health care expenses. What sets A.R.G. apart from other advisors is our ability to blend both Traditional and Non-Traditional Strategies.

Traditional

  • Life & Health Insurance
  • Accident Insurance
  • Short Term Medical Insurance
  • Automobile Insurance
  • Traditional IRAs & Roth IRAs
  • 401K Management
  • Section 529 College Plan
  • Stocks, Bonds and Mutual Funds

Non-Traditional (minimum income and net worth requirements may apply)

  • Captive Insurance Company
  • Private Placement Life Insurance
  • High Limit Disability (to $250,000/month)
  • Oil & Gas
  • Motion Pictures
  • Self-Directed IRAs
  • Private Equity

SELF EMPLOYED & INDEPENDENT CONTRACTORS

If you are among the 27 million self-employed and small business persons in the U.S. then you are well aware of the difficulty in adequately covering the financial risk exposures you face. Whether it is providing health insurance for your family, protecting your vehicles, stores and offices or complying with government regulations – a single unplanned and uncovered risk could put you out of business. At A.R.G. we have a special place in our hearts for small businesses and can help you develop a comprehensive and affordable risk management solution.

The 401Rx PlanTM

The 401Rx PlanTM is designed to help business owners and employees pre-fund the health care expenses they will incur in retirement. According to Fidelity Investments, a 65-year-old couple retiring in 2012 will need $240,000 to pay medical expenses through retirement. This figure assumes Medicare remains solvent and does not change and this figure does not include over-the-counter medications, vision, dental and long term care – when those are added the amount needed exceeds $500,000! The 401Rx PlanTM allows prefunding of these expenses while still working, with tax deductible contributions, tax free growth, and tax free withdrawals for qualified medical expenses.

The Kai-Zen PlanTM

Depending upon your employment circumstances you may be able to take advantage of this leveraged 162 executive benefit plan. Under The Kai-Zen PlanTM you can not only provide a valuable life insurance benefit for your family but you can also significantly increase your retirement savings. The best part is that we have already made arrangements with several banks that will provide $3 of funding for every $1 you contribute and you have no personal liability on the loan.

The ABIL PlanTM

The ABIL PlanTM is specifically designed for high net worth families who need assistance with funding estate taxes, buy/sell agreements and wealth transfer issues.

Voluntary Benefits

All employees are not the same. Your family may have needs that differ from the needs of your co-workers. To assist employees in planning for the uncertainties of life our Advisors can work with you on an individual basis to discuss your Voluntary Benefit options. Although your employer will not pay any portion of the costs for these benefits you may be surprised at how inexpensive total risk protection can be.

  • Cancer
  • Critical Illness (heart attack, stroke, etc.)
  • Long Term Disability
  • Short Term Disability
  • Long Term Care
  • Vision
  • Dental
  • Accident
  • Pre-Paid Legal
  • Life Insurance

Financial Risk Management

Our Advisors work closely with individuals and families to help you guard against financial risks resulting from death, disability, sickness, injury, catastrophic loss to property, inadequate retirement savings, long term care and post-retirement health care expenses. What sets A.R.G. apart from other advisors is our ability to blend both Traditional and Non-Traditional Strategies.

Traditional

  • Life & Health Insurance
  • Accident Insurance
  • Short Term Medical Insurance
  • Automobile Insurance
  • Traditional IRAs & Roth IRAs
  • 401K Management
  • Section 529 College Plan
  • Stocks, Bonds and Mutual Funds

Non-Traditional (minimum income and net worth requirements may apply)

  • Captive Insurance Company
  • Private Placement Life Insurance
  • High Limit Disability (to $250,000/month)
  • Oil & Gas
  • Motion Pictures
  • Self-Directed IRAs
  • Private Equity

CHURCHES AND NON-PROFITS

Providing comprehensive benefits packages that are reasonably priced is especially critical for churches and non-profit groups that operate on limited budgets. We offer a full range of employee benefits and retirement plan solutions to help these employers recruit, retain, reward and motivate employees. We also provide programs to assist organizations in increasing their endowments to cover future expenses.

The 401Rx PlanTM

The 401Rx PlanTM is designed to help business owners and employees pre-fund the health care expenses they will incur in retirement. According to Fidelity Investments, a 65-year-old couple retiring in 2012 will need $240,000 to pay medical expenses through retirement. This figure assumes Medicare remains solvent and does not change and this figure does not include over-the-counter medications, vision, dental and long term care – when those are added the amount needed exceeds $500,000! The 401Rx PlanTM allows prefunding of these expenses while still working, with tax deductible contributions, tax free growth, and tax free withdrawals for qualified medical expenses.

The Health Options PlusTM (Health Option Plan for Employees)

This is not simply a health insurance policy – It is a comprehensive and multi-faceted health care strategy designed specifically for the self-employed, franchisees and independent contractors.

  • 24 Hr. RN Hotline
  • Biometric Blood Test
  • Personal Health Coach
  • Personal Written Health Plan
  • Individual/Family Counseling
  • Healthcare coordinator

The ABIL PlanTM

The ABIL PlanTM is specifically designed for high net worth families who need assistance with funding estate taxes, buy/sell agreements and wealth transfer issues.

Voluntary Benefits

All employees are not the same. Your family may have needs that differ from the needs of your co-workers. To assist employees in planning for the uncertainties of life our Advisors can work with you on an individual basis to discuss your Voluntary Benefit options. Although your employer will not pay any portion of the costs for these benefits you may be surprised at how inexpensive total risk protection can be.

  • Cancer
  • Critical Illness (heart attack, stroke, etc.)
  • Long Term Disability
  • Short Term Disability
  • Long Term Care
  • Vision
  • Dental
  • Accident
  • Pre-Paid Legal
  • Life Insurance

HEALTH CARE REFORM
SEMINARS & CONSULTATIONS

The Affordable Care Act is one of the most sweeping and least understood pieces of legislation in U.S. history – literally impacting the lives of every individual, employee and business. We are pleased to offer a Free Seminar presentation to your group to help guide understanding of your rights and obligations under this law. Presentations are available for employers, Associations, church groups or non-profit organizations. To learn more Contact Us.