Employee Benefits

Built upon a tradition of stability and integrity, our Employee Benefits team is committed to delivering tailored benefit solutions through thoughtful strategic planning, excellent service, and extensive insurance knowledge.

Strategic Planning:

Howalt-McDowell Life, Health, and Employee Benefits represents clients from many industries. We strategically develop action plans to manage and minimize our clients' risk resulting in lowering their overall costs. We continue to monitor our carriers' financial stability and analyze their products to find the right solution for our clients' particular situation. Our team has expertise in the following areas:

• Employee Core Benefits
  
  • Group Medical, HSA's/HRA's, Life, Disability, Dental, Vision
• Voluntary Benefits (payroll deduction products)
  
  • Life, Disability, Cancer, Accident, Identity Theft
• Executive Benefits
  
  • Life, Annuities, Long Term Care, Business Succession Planning
• Benefits Consulting

Excellent Service:

We assign a team dedicated to servicing your account. Our focus:

• Contact: We meet with our clients regularly
• Employee Education: We conduct employee meetings and provide educational materials
• Advocacy: We work on your behalf with an unbiased perspective

Insurance Knowledge:

The depth of our team is seen in the years of experience. Our staff has over 250 combined years of insurance experience. The diverse background of our benefits team includes insurance carrier representation, compliance, underwriting, and marketing.

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