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Once an insurance consultant has earned a client's trust, they become much more than a broker, they become a friend to depend on, a part of the family.

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Life, Health & Employee Benefits

Life Insurance
There are a variety of life insurance policies on the market today. By going over your personal needs and goals, we can determine what might be best to complete your estate planning. From simple needs to complex issues, we value all our clients and will work with you to finalize your objectives.
Health Insurance
We represent a number of excellent carriers in the individual health insurance market. With a variety of plan designs with which to choose, there is surely the right plan for your individual and family needs.
Short-Term Medical
This type of policy is meant to do just what the name suggests. Short-Term Medical is designed to provide temporary coverage for someone who might be between jobs, or satisfying a waiting period before their group health plan becomes effective. Still others might be career changers or looking for an alternative to high priced COBRA premiums.
Student Select Medical Insurance
A less costly option for your college students who may be nearing the cutoff age for dependent status, or they may be outside your HMO or PPO network. A less expensive option when compared to traditional plans yet provides the comprehensive coverage that you would want for your son or daughter.
Long-Term Care Insurance
This type of insurance will protect your assets and at the same time will provide coverage for home health care or if necessary, at a long-term nursing facility. If you have ever had to deal with the emotional upheaval of seeing a loved one in a nursing home environment, you understand the exorbitant cost associated with that type of care. Long-term care insurance will alleviate those monetary concerns.
Disability Income Insurance
Protect an unplanned loss of income with disability income insurance. Perhaps you are a self-employed, or your employer does not provide that type of benefit. Your employer may indeed provide that benefit, but you may want to supplement the group disability coverage with an individual policy.
Global Citizen Health Plans
Do you plan on doing any domestic or international traveling? Will your college student be studying overseas for the upcoming semester? Do you want trip protection? We can get you the coverage you may need while traveling domestically or while on an international vacation. We have a carrier that specializes in this type of coverage.
Employee Benefits

The topic of employee benefits can be quite complex in today's business environment. Employers are always looking to "cut corners" to save premium dollars, but at the same time preserve a quality group insurance program for employees and their dependents. A daunting task at best.

At B.F.& S., we will evaluate the current market conditions, sort through the carrier clutter, and determine the most reasonable course of action. There are many variables affecting your benefit package, and you need professionals to help you sort through the "benefits minefield." We look forward to your call.