1. Aflac Is Great For Your Business
Aflac helps you create a more attractive employee benefits package, at no direct cost to your company. Nearly
500,000 businesses across the United States make Aflac insurance policies available to their employees.
No Direct Costs To Your Business
Aflac’s policies are 100% employee-paid and are purchased on a voluntary basis. Many companies choose to
make Aflac policies available as a cost-effective solution to help employees with the rising cost of out-of-pocket
health care expenses. AFLAC sets up an IRS Sec. 125 Café Plan FREE!
Ease of Administration
Employees can pay their AFLAC premiums direct monthly via bank draft or credit card or to reap the TAX
BENEFIT you can do the payroll deduction =. There are many payroll companies that offer a turn-key system
to administer your AFLAC payroll deductions and payments. They will setup the employee’s pre-tax payroll
deductions and will remit an itemized report and your Aflac monthly check to you or directly to Aflac., or you
may elect to do the deductions internally. You are always using the employees’ money (and never using your
company’s money) to pay Aflac.
Flexible Plans
Aflac insurance policies are designed to complement major medical plans and other company benefits. With a
wide range of policies and benefits, your employees can choose the areas where they want additional coverage.
Attract & Retain Employees
Great benefits are a top priority for employees when considering where to work. With Aflac, you can provide a
wide range of benefits that give your employees coverage in the areas they need most, and with a brand they
know and want.
Insurance Policies When you run a business, every employee plays a critical role, so if someone gets hurt
or sick and can't work, you want to do everything you can to help. That's why Aflac offers a wide range of
policies that can help cover everything from accidents to critical illness. Below are some of the Aflac plans your
staff can choose.
Accident
Cancer/Specified-Disease
Dental
Hospital Confinement Indemnity
Life
Short-Term Disability
Specified Health Event
Vision
In Summary, WHY AFLAC?
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2. Get A Free Section 125 Plan From Aflac
As long as three people at your company purchase one Aflac product, your company is eligible for a free
Section 125 premium-only plan ("POP"). A Section 125 POP plan reduces your company’s payroll taxes and
increases your employees take home pay. Employees save Federal, State (except NJ), Local and FICA taxes.
Employers also save FICA taxes.
Offer Aflac Benefits And Save Big Bucks!
Your employees want Aflac benefits and are willing to pay 100% of the cost. By offering Aflac at your
workplace you’re a hero because your employees can purchase Aflac at your discounted corporate rate and pay
for it with pre-tax payroll deductions. Your employee’s get the pre-tax savings and so does the company. It’s a
win-win!
Numbers Talk
Here’s an example of employer and employee savings assuming a company has 10 employees with an annual
payroll of $500,000 and employees contribute $200 per month for your health plan.
Employer Savings Without POP With POP
Annual Payroll $500,000 $500,000
Employee Premiums -0- 24,000
Taxable Payroll $500,000 $476,000
FICA tax (7.65%) 38,250 36,414
Employer Savings -0- OR $1,836
Employee Savings
Annual Income $40,000 $40,000
Pre-Tax Contribution -0- $2,400
Taxable Income $40,000 $37,600
Estimated Taxes (30%) $12,000 $11,280
After-Tax Contribution $2,400 -0-
Net Take Home Pay $25,600 $26,320
Increase In Take Home Pay -0- OR $720 IT’S A WIN/WIN!
JOIN the Voluntary Benefits Trend and Access Aflac.
I have Benefit Solutions to fit your Needs & Budget!
Dianne Guyette
An Independent Agent Representing Aflac and other Top-Rated Health & Life
Insurance Carriers.
“Bringing Everyone Security Today”
www.dbest.vpweb.com
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