Group Health Insurance
Rosenthal Brothers helps businesses of all industries to tailor the most appropriate coverage for your employees, while remaining cost-conscious to you as their employer. We begin with an analysis of your current benefits program, identifying opportunities for more cost-effective options or alternative funding. Keeping your present needs and your vision for the future in focus, we oversee plan design, carrier negotiation, implementation and ongoing maintenance. Our ultimate goal is to help you maximize your benefits. We place strong emphasis on employee education. If a claim should occur, our experts are your advocates, monitoring insurance company performance and working to ensure accurate filing and prompt processing.
Our in-depth market knowledge and long-standing relationships with insurance companies enable us to create and manage successful health and wellness programs that meet employee needs while addressing corporate goals. Rosenthal Brothers works in tandem with your HR staff to ensure that your employees understand their options under your benefits program and what they mean. This extends beyond open enrollment meetings to also include web-based interactive technology and print communications that keep you up to date on the latest trends in benefits, contribution, cost-saving options, and more.
Types of Group Benefits
- Group medical
- Health savings accounts (HSAs)
- Health reimbursement arrangements (HRAs)
- Fully-insured & self-funded plans
- Dental
- Vision
- Group life
- Short & long-term disability
- Long-term care
- Voluntary benefit plans
- Critical illness
- Accident
- Flexible spending accounts (FSAs)
- Premium only Pplans (POP)
- COBRA administration
- Compliance
- Executive life
Individual Life Insurance
Family is everything - your career, your life, and your world revolves around your loved ones. Life insurance allows you to secure your family’s financial situation by protecting your assets and future earnings. If you were to pass away, a life insurance policy would be that safeguard. Rosenthal Brothers understands how difficult this kind of planning can be, but we also understand the importance. As your advisors, our highly experienced life insurance professionals will work together with you to best understand your family and preserve their future.
Life insurance options
Term Life Insurance is the least expensive life insurance policy. It typically requires the least amount of underwriting and does not carry any cash value. Premiums stay level for a set amount of time, and as long as premiums are paid, coverage will continue. Common applications of term life insurance are future mortgage payments, college tuition for any children, and other future expenses.
Whole Life Insurance covers you for your entire life and accumulates a cash value over the lifetime of the policy. This adds a savings plan component to the policy, unlike a term policy. Not only does a whole life policy earn dividends over time, you may also borrow against the cash value. Rates are guaranteed, which makes it more flexible than a universal life insurance policy.
Universal Life Insurance parallels whole life insurance in that it covers you through your entire life and accumulates a cash value. Contrary to a whole life policy, a universal life policy allows you to adjust the death benefit as well as the methods of payment for your premium.
Individual Health Insurance
People live various types of lifestyles, which is why Rosenthal Brothers helps you customize your health insurance to best fit your life. Everybody’s financial situation varies, and as your insurance advisor we want to ensure your plan aligns with your financial situation and desired benefits. We work closely with you so you’re prepared for the unexpected, making sure you’re equipped with the best possible care at the most competitive price.
Types of health insurance
- Health insurance plans
- Short-term health insurance
- Dental insurance
- Vision insurance
- Long-term care
- Disability income
- Medicare supplements
- Health savings account (HSA)
- Prescription drug program