martingrace has the experience and resources to create the right benefit plan for any industry.
Life Insurance pays a lump sum benefit to beneficiaries if the policyholder passes away. When offered through your employer, this type of insurance covers you while you are employed, based on your eligibility to participate.
Accidental Death & Dismemberment (AD&D) Insurance pays a benefit to you or your beneficiaries if you die or experience severe injuries as the result of an accident.
Disability Insurance helps protect your income if you experience a disabling illness or injury that keeps you out of work for a period of time. Most short-term disability insurance plans provide partial income replacement for three or six months.
Long-term disability insurance plans provide partial income replacement for longer periods, after the short-term plan ends.
Health insurance covers all or some of the cost of treating an insured person's illnesses or injuries.
It pays for preventive care, annual physicals and diagnostic tests.
Dental insurance helps pay for all or some of the costs associated with dental care, from routine cleanings to root canals, crowns and bridges.
Vision insurance covers all or some of preventive eye care like eye exams. Vision insurance may also reduce employees’ out-of-pocket cost for prescription glasses and contacts.
Supplemental medical is an additional insurance plan that helps pay for healthcare costs that are not covered by a person's regular health insurance plan. These costs include copayments, coinsurance, and deductibles.
Critical Illness Insurance can help protect your finances during life-changing events, so you can focus on healing. Depending on the specifics of your plan, Critical Illness Insurance can provide a lump-sum benefit for diagnoses such as cancer, heart attack, coronary artery disease, stroke and major organ failure.
Accident Insurance can help you get back on your feet after an accidental injury. Accident Insurance provides a lump-sum benefit to help with expenses such as co-pays, transportation costs and out-of-pocket fees.
Cancer insurance helps provide a financial safety net that can assist with covering cancer-related expenses such as inpatient or outpatient treatment, surgery, travel and recovery care.
Individual life insurance protects your beneficiary in the event of your death. Some life insurance policies can be designed so you are able to use it to help with your needs while you're still alive, like providing supplemental income for retirement or a source of funds if you become ill.
Key Man insurance is life insurance on a key person in a business. If a company purchases a life insurance policy on a key employee, pays the premiums and is the beneficiary of the policy, the company would receive the benefit if that person unexpectedly dies.
Key Man disability insurance helps your business offset the financial burden if a key contributor becomes disabled. Paid for and owned by the business, the policy pays benefits to your business if a key employee becomes totally disabled due to an illness or injury.
Buy/sell insurance is used to fund a buyout agreement between owners of a business. Buy-sell insurance is used to minimize the turmoil caused by the sudden departure, disability or death of a business owner or partner.
martingrace offers a complimentary benefit administration system to qualifying clients.