Insurance Soutions For Your Business
The Lordigyan Insurance Agency works hard to deliver the very best service available. Where some agencies sit back and collect their commissions while their secretaries advise you to call an 800 number, The Lordigyan Agency takes a proactive position and works hard to earn your business every day.
Doing business with us is easy. Here’s what we do that earns us the reputation that we have today:
- We do all of your additions and terminations for you – short of your signature.
- We are open early and we close late-we’re even available on weekends.
- We provide you with Open enrollment meetings so every employee knows what you bought for them and how to use it effectively.
- We research our group’s physicians at every renewal to make sure that we are always using the best possible carrier for your company.
- We research your demographics and provide network data for the areas that you and your employees will utilize.
- We help keep you informed of the newest laws and regulations that help keep you in compliance
- We offer third party administration by companies that we trust will work as hard as we do
- And finally, you get the Managing Partner’s cell phone number when you have a problem that needs immediate attention.
Corporate Policies
Business Continuation and Buy-Sell Policies
Provides funding to buy out deceased or disabled partners or simply to transfer nownership to another person or entity
Key-Man
Provides protection to corporations in the event a Key Employee dies or becomes disabled
Split Dollar
Typically used to protect employees with the use of employer funds, but can also be used to protect the company from a loss as well as providing cash value to the employee or his estate
Deferred Compensation
Golden handcuffs for Key Employees and benefits for their families in the event of death or disability of the employee
Bonus 162 Plans
Employer provides life premiums for key employees by bonusing money to the employee to pay for their policy
Group Benefits
Typically lower cost than individual rates
and often without evidence of insurability
Health
Covers Physician, Institution, Hospital, Durable Medical Equipment and Prescriptions
Dental
Covers Preventive, Basic and Major dental services
Vision
Covers Annual Exams and often Discounts on eyewear
Life
Provides a death benefit to employees’ beneficiaries
Long-Term Care
Provides Home Care and Nursing Home care when an employee loses the ability to perform certain life functions
Cobra Administration
Through 3rd party administrators who help maintain your compliance with laws associated with employees and their families continuing coverage after leaving the company
Group Discount Programs
Dental
Not Insurance, but rather a discount service provided through various networks of dentists who participate in the program
Vision
Not Insurance but rather a discount service provided through various networks of Ophthalmologists and Optometrists who participate in the program
Legal
Discounted legal services
Payroll
Discounted payroll services
Identity Theft
Monitoring programs that help reduce the effects of identity theft and it’s consequences