Lake Michigan Insurance Agency is a full-service insurance agency specializing in Group Plans, Employee Benefits as well as Financial Services. We design plans on a fully-insured basis, a shared-funding basis, or a self-insured basis with third-party administration. We also provide cafeteria plan options and Flexible Spending (Section 125) plans. Our professionals will give you straightforward advice and effective solutions to your insurance needs including:

• Medical
• Dental
• Vision
• Short and Long Term Disability
• Life
• Long Term Care
• AD&D

There are four key components to insure that our policy holder's benefit plans are working:

Complete Market Analysis:
We have partnered with many of the top rated insurance carriers, and work with several third-party administrators, as well as HMO and PPO networks, to ensure you have a comprehensive package with competitive pricing.

Enrollment Assistance:
We provide employee handouts, forms, and provider directories so that all employees and spouses are able to make informed decisions with regard to their health care and provided benefit package.

Installation & Communication:
We install new insurance plans by holding communication meetings with all covered employee/spouses to explain the new coverages and how to most effectively use their plan. We also discuss new forms and procedures with the group administrators so routine additions, deletions, and changes proceed smoothly.

Continuous Plan Management and Service:
Our office is staffed from 9:00 am to 5:30 pm, Monday through Friday to handle questions or assist with claim/benefit issues. We also have a voice messaging system for those employees who are unable to reach us during normal business hours.

In addition to group benefits for employers/employees, Lake Michigan Insurance Agency also brings unique insurance products available on a VOLUNTARY, GUARANTEED ISSUE basis. This means that the employee can purchase benefits over and above what the employer provides in their benefit program. It also allows the employee to take this benefit with them should they ever leave their current employer. The options we have available are: Short-Term and Long-Term Disability as well as Life and Dependant Life policies.

Along with providing Group Plan and Employee Benefit plans, we have many financial service options that are geared toward protecting the organization and the executives that are responsible for maintaining and growing your operation. Among those options are:

Business Continuation Planning - With a carefully constructed business succession plan, you can create a rock solid foundation for the future of your business - and the people who depend on it. By working together, we can help you pull together the necessary elements of a successful continuation plan.

• Business Loan Protection
• Business Overhead Insurance
• Disability Buy-Out
• Buy-Sell Arrangements
• Key Employee Insurance

Executive Benefit Planning - Competition for top management talent is increasing among all businesses, regardless of size. Lake Michigan Insurance Agency believes that by Executive Benefit Planning, we can help your business attract, retain, motivate and reward top performing executives. These plans also include:

• Deferred Compensation
• Group Carve-Out
• Individual Disability
• Split Dollar Life Insurance
• Selective Executive Retirement Plans

Tax-Qualified Retirement Plans - In today's marketplace, competitive, well-designed retirement and compensation plans are no longer considered fringe benefits. Entire benefit package plans are used to attract talented executives and employees. Lake Michigan Insurance Agency understands the importance of these benefit packages, and will make sure you achieve your workplace objective including:

• 401(k)
• Profit Sharing
• Money Purchase
• Target Benefit
• Defined Benefit
• Simplified Employee Pension (SEPs)
• Simple IRA

Employee Benefit Products - Some of your largest business expenses are related to employee health insurance and employment benefits. Lake Michigan Insurance Agency offers a wide variety of employee benefit plans to improve your overall compensation package. We will help you design effective and affordable packages to help increase employee loyalty and reduce costs associated with employee turnover including:

• Group Health Insurance (HRA, HSA, HMOs, underwritten Carriers, Guaranteed Issue Carriers)
• Managed Care Benefits including HMOs
• Dental and Vision Care Benefits
• Flexible Benefits Accounts
• Accidental Death & Dismemberment Insurance
• Short-term and Long-term Disability Insurance