A focus on the client Since its 1984 beginnings as Morin Associates, LLC, a team of committed experts has been offering services to the insurance industry. Groton, Connecticut is being evaluated as a potential new location for the company's headquarters  financial advisor near me  As an employer-sponsored benefits provider, our utmost concern is offering our clients innovative and affordable benefit packages. No matter the size of your employer group, you will find everything you need in our wide portfolio. Numerous customization options, professional coaching, administrative service placement, and more are at your fingertips.  

Protecting your loved ones financially in the event of your untimely death can be as easy as getting life insurance. The untimely demise of a breadwinner may have a devastating effect on families that do not possess life insurance.  

Assuring More Workers Have Access to Affordable Health Insurance  

If you were to pass away suddenly, your loved ones may rest easy knowing that they have life insurance, whether it's term or whole. A simple and affordable way to ensure your family's financial security is with term life insurance. It offers protection for a set amount of time, sometimes referred to as a "term" of years. The "permanent" or "universal" nature of the premiums is a way that whole life insurance policies stand out. Premiums for term life insurance can be more affordably paid than for whole life insurance due to the policy's capacity to create value.  

Medical Coverage  

Health insurance is beneficial for both employers and employees. Here in the area, HMOs, PPOs, EPOs, and POSs are the four main varieties of health insurance.  

There is a wide choice of health insurance policies to choose from, each with its own pricing point and benefits. It could be useful to learn about the benefits offered by each plan while you search for family health insurance. Before deciding on an insurance policy, it's wise to consult a local representative.  

Your health insurance won't pay for anything if you visit a doctor or hospital that isn't part of their network. Before you make an appointment, check with the clinic to see if they take your insurance.  

Medical Treatment The majority of individuals can afford dental insurance.  

As a standard benefit, dental care is now included in most health insurance plans. Patients who use this benefit will have a lower out-of-pocket cost for dental treatment. Before opting to include dental care in your health insurance plan, think about the advantages of doing so. Dental insurance should also be considered.  

Alternative financial institutions, public and private health insurance, job agencies, and a plethora of other choices are all within easy reach.  

Given the current market conditions, it cannot offer adequate insurance. The most important thing you can do to keep your business from collapsing is to provide your workers precise directions. Morin Associates provides a wide variety of insurance plans to businesses, including medical, vision, dental, disability, life, and long-term care.  

We are vigilantly monitoring the market to secure affordable, all-inclusive health insurance for you. Our ability to tailor our services to each individual client's needs enables us to maintain competitive pricing without sacrificing quality. Health insurance is just one of several offerings from our company.  

Health insurance  

Medicare, which stands for "Medicare for Older Americans," was first created in the 1960s with the intention of helping seniors with modest incomes. In this section, you will discover detailed instructions on how to use the app's primary functions.  

For Medicare Part A purposes, long-term care facilities include nursing homes, clinics, hospitals, and hospices. Medicare Part B covers a lot of medical expenses. This division offers a wide range of services, including screenings, blood tests, mental health counseling, outpatient surgery, and diagnostic medical evaluations (DMEs). Medicare Advantage may also cover Medicare Part D in very rare instances. This does not apply to Medicare Parts A, B, C, or D.  

The need to acquire Medigap insurance may arise due to potential "gaps" that Medicare Part D does not address.  

Investing Approach  

Get in touch with the experts at Morin Associates if you want to maximize the profits on your investments. There are a lot of moving parts in a person's financial future plan. Before you decide to invest, consider your risk tolerance, the market's performance, and the time you have to wait. Our strength lies in cutting costs while boosting profits.  

If you aspire to achieve financial independence, you must have a contingency plan that permits you to consider all potential investment alternatives. Several factors, such as your risk tolerance and desired outcomes, will determine the approach to long-term financial planning that you find most appealing. To be completely forthright with you, we shall combine our evaluations of your individual and business worth. You can achieve financial security with the help of Morin Associates.  

   Morin Associates LLC is a dependable Connecticut-based insurance and financial services provider  financial advisor  A wide range of health insurance plans are available to all employees and company owners. Medicare Supplemental Insurance, Medicare Parts A and B, and Medicare are all part of this coverage group.  

We have accumulated a plethora of sector-specific knowledge after 34 years of diligently servicing our clients. Our distinctive, versatile, and reasonably priced solutions have a long list of happy customers who can attest to that. Our wide variety of services is available to employer groups of any size. Administrative technology is just one of many solutions we provide. Professional value-added interventions, marketing materials for staff, budgeting, advice, financial agreements, and strategic goods and processes are just a few of our many solutions.  

From the private and public sectors, our nine regular members and sixteen brokers offer a diverse array of administrative skills. Their oversight of our wholesale partners and HR services has been first-rate.  

When residents of Connecticut require help with their employee benefits, they know to call Morin Associates. Everything you could ever desire is right here.  

Visit Morin Associates LLC if you require guidance in selecting a life or health insurance policy. We have jurisdiction over five Connecticut towns: Uncasville, Plainfield, Mystic, and East Lyme. We can reach out to a significant portion of the country. Totally absent from all of them is any mention of North Stonington whatsoever. Mystic, Griswold, and Norwich are now part of our service region alongside Waterford. Investment Center Inc. of Bedminster, New Jersey, will sell all of the assets that are listed here. Customers from any state can access the firm's services thanks to its registration with FINRA and SIPC.  

Use FINRA BrokerCheck to learn more about a financial advisor's history. Ic advise Services, Inc. is now authorized to provide investment advisory services following permission from the SEC.