You have concerns
We Have Solutions
Whether the concern is piece of mind, cost savings, or employee retention we can help. Because of our relationships with over 60 insurance providers, our teams specializes in multiple areas of coverage, and through our personal approach, we are able to design custom solutions to fit your unique needs.
Group Health Insurance
Dental and Vision Insurance
Group Life, and Disability
Executive Level, and Supplemental Benefits
Individual Life Insurance
Individual Long Term Disability
Individual Long Term Care Insurance
Fixed and Fixed Index Annuities
Business Succession Planning
Key Person Insurance Plans
We Stand By Our Commitment to You
Business owners have complex insurance needs each created by differing drives and values. Having someone on your team who understands, and can provide unbiased solutions is important to the ongoing success of your business and personal goals.
Our approach is simple.
- Listen to our clients to understand their unique needs
- Incorporate a team approach requesting advisors such as your current accountant or attorney to be part of the decision making process
- Find an efficient solution as simple or complex as they may be to fit your needs
- Provide the necessary support to implement the solution
- Periodically review the results to ensure your plan is still in line with your evolving needs
Patrick Kuster stands apart from the competition. Through our ongoing service and support to our clients, we maintain a long lasting relationship. Our flexibility as a broker allows us to stay on the top of the industry as we have access to numerous highly rated insurance companies across the nation. Lastly, we believe our alliances with reputable advisors such as accounts and attorneys help us provide the best solutions to our clients needs.
We believe educating our clients to make informed decisions is the key to our mutual success.
Most employers have not properly evaluated a high deductible health plan (such as an HSA eligible plan) in comparison to their traditional health plan. This is because most employers haven’t been given a proper explanation of plan benefits, most brokers do not propose the plans to employers, and a majority of brokers as well as […]
With new benefit laws and changing compliance requirements, employers are left with the risk of fines, penalties, and litigation. As your benefits broker, Patrick M Kuster feels it is his duty to provide you with the services you need to seamlessly continue offering your employee benefits while reducing your administrative burdens. As a result of […]