Jaime Ragins, Independent Agent and Financial Services Professional

Cedar Valley (319) 535-2620 Quad Cities (205) 514-9868 Northeast Iowa (319) 535-2620

Business Owners

As a business owner, your daily responsibilities never end.  Serving small business owners and employees is my passion– it’s what I’ve built my own small business around and it’s what drove me to become an insurance agent.  I hope you’ll take a minute to review the information below and then contact me for a free, no obligation consultation.

Some questions to ask yourself:

  • Could my business continue if I die or become disabled?
  • Am I attracting and retaining the best employees or am I experiencing high turnover?
  • What would my employees say about their current benefits plan?
  • What have my employees asked for recently?  What have interview candidates asked me for in benefit offerings?
  • What will happen to my business when I retire?
  • Do you have a life insurance policy on your business loans?  How much have you paid down your loans since you took out that policy?

 

Employee Benefits

Surveys show that three in four workers consider benefits a decisive factor in weighing new job opportunities.1  These benefits are very desirable to employees, but can be costly to employers.  That’s why many employers offer their staff the option of purchasing voluntary benefits through payroll deduction.  This gives your employees a wide array of options to choose from at a much more affordable rate than they would get purchasing individual insurance on their own.  A good employee benefits package can decrease turnover and lead to a more positive work environment.   Don’t skimp on your employee benefits!  A core foundation of major health complemented with quality voluntary benefits such as employee paid disability and accidental coverage can make the difference between keeping your best employee or losing him to your competitor.

  • Major Medical
  • Dental
  • Vision
  • Disability
  • Voluntary Benefits, such as accidental, cancer, hospital indemnity, critical care
  • Worksite Life
  • 401k
  • Retirement Plans

 

Business Owner-Specific Planning

Put a plan in place now to protect your business, such as:

  • Disability
  • Key Person Insurance
  • Business Overhead Expense
  • Buy-Sell Agreements
  • Business Owner Life for bank loans
  • SIMPLE, SEP-IRA and Keogh Retirement Plans