On Call Benefits

Earlier this year, we lost an employee and it was a very difficult time. Thanks to Howard, we had a life insurance policy in place that provided $25,000 of coverage for every employee. The policy was surprisingly affordable, and the support for the family was outstanding. The benefit was paid quickly, and grief counseling was available to all employees and the family of our colleague. No one had ever explained these benefits to us before, and now our team knows we truly support them.

We thought poor service from our broker was normal until we started working with Howard. He listened to our needs, found a medical plan with all our preferred physicians in network, and saved us enough to add dental coverage while still lowering our total costs. Howard truly cares about his clients and delivers real results.

Howard sold me a life insurance policy years ago and it has truly been a blessing. I have taken out two policy loans—one helped pay for my daughter’s college and the other covered a family emergency. Both times I was able to repay the loans without any hassle. The flexibility and security this policy provides have made a real difference for my family.

I had been working with my old broker for years and thought I was getting the best service and high level consulting you could get. I met with Howard for a quick policy review as the cost of my programs have gotten so high in the last few years. Howard gave me a new strategy, additional resources, a multi-year plan and a true service model. So glad to have him as our broker.