1.  As independent consultants, we have no contractual obligations to individual insurers.
GROUP INSURANCES
MEDICAL
PRESCRIPTION
DENTAL
VISION
SHORT-TERM DISABILITY
LONG-TERM DISABILITY
LIFE
ACCIDENTAL DEATH & DISMEMBERMENT
SUPPLEMENTAL LIFE
VOLUNTARY BENEFITS
FLEXIBLE SPENDING ACCOUNTS (FSA)
FAMILY MEDICAL LEAVE ADMINISTRATION (FMLA)
SECTION 125 PLANS
LONG TERM CARE
INDIVIDUAL INSURANCES
DISABILITY
DISABILITY BUY - SELL
DISABILITY BUSINESS OVERHEAD
KEY PERSON DISABILITY
LIFE INSURANCE
LONG TERM CARE
INDIVIDUAL MARKETPLACE PLANS THROUGH GOVERNMENT EXCHANGE