An independent insurance firm situated in Groton, Connecticut, Morin Associates LLC has been providing services to clients since 1984. Providing our clients with creative and reasonable benefit packages is our top priority as an employer-sponsored benefits provider  health insurance brokers ct No matter the size of your employer group, our wide portfolio includes everything you can possible require. Advice, administrative service placement, individualized products and programs, and services with clear added value all fall under this category. 

Purchasing life insurance is a simple strategy to safeguard your family's financial stability in the event of your untimely demise. It may be incredibly challenging for families to cope with the loss of the breadwinner when life insurance is not in place. 

Fostering Access to Low-Cost, High-Quality Healthcare for Staff 

To ensure your family's financial security in the future, think about getting life insurance, either term or whole. Protecting your loved ones' financial stability with term life insurance is easy and inexpensive. It provides security for a predetermined period, sometimes called a "term" of years. Premiums will continue to be charged indefinitely for whole life insurance policies due to their "permanent" or "universal" nature. Although premiums for whole life insurance tend to be higher initially, the policy's value has the potential to grow with time. 

Medical Insurance 

Having health insurance is beneficial for both employers and employees. The four most common types of health insurance in this region are HMOs, PPOs, EPOs, and POSs. 

A variety of health insurance plans are available, each with its own price range and set of advantages. It could be easier to choose a family health insurance plan if you are familiar with the perks that each one offers. To start choosing the right insurance policy, you should get in touch with a local representative in your region. 

If you go to a clinic or hospital that isn't in your insurance's network, they will not cover any of your costs. You can verify the participating hospitals and doctors' practices before enrolling in a plan. 

Health Care Dental insurance is within most people's budgets. 

At this time, dental care is offered as an extra by the majority of health insurance plans. Dental care will be more affordable for patients who take advantage of this benefit. Consider the benefits of dental coverage before deciding to add it to your health insurance plan. It is also wise to think about dental insurance. 

Public and private health insurance programs, alternative lending groups, employment agencies, and many more options are at your fingertips. 

The present state of the market makes it impossible to provide adequate insurance. It is your duty to inform your employees about your optimal strategy if you are determined to save your firm from collapsing. Among the many insurance products offered by Morin Associates to businesses are medical, dental, vision, disability, life, and long-term care policies. 

We are keeping a close eye on the health insurance market so that we can find you cheap coverage that meets your needs. So that our services are accessible to everybody, we modify them to fit the specific requirements of each client, keeping our prices low. Our organization offers a variety of products and services, including health insurance. 

Insurance for wellness 

The original goal of Medicare, an acronym for "Medicare for Older Americans," was to assist low-income seniors when it was established in the 1960s. Here you will find detailed instructions on how to utilize the main features of the application. 

Nursing homes, clinics, hospitals, and hospices are all considered long-term care facilities for the purposes of Medicare Part A. Many medical costs are covered by Medicare Part B. In this category you can find a vast array of services, from screenings and mental health treatments to outpatient surgeries, blood testing, and DME. In extremely unusual cases, Medicare Advantage may also pay for Medicare Part D. Parts A, B, C, and D of Medicare are exempt from this. 

Private Medigap insurance covers the "gaps" that original Medicare does not, and Medicare Part D covers prescription medications. 

Investment Strategy 

If you wish to increase your investment returns to their maximum potential, contact the professionals at Morin Associates health insurance agents in ct When planning for one's financial future, there are several factors to consider. Numerous factors are taken into account, including the individual's risk tolerance, the state of the market, their immediate and distant goals, and a plethora of others. We are experts at lowering risk and raising return on investment. 

To achieve your financial objectives, you require an ideal strategy that permits you to examine all investment possibilities. Many things, including your goals and level of comfort with risk, will go into crafting a strategy for your financial future. For a more complete view, we will combine our examination of your personal and company assets. With Morin Associates' assistance, you can reach a state of financial stability. 

Individuals and businesses alike can rely on the insurance and financial services offered by Morin Associates LLC, situated in Groton, Connecticut. Medicare Parts A and B, Medicare Supplement Insurance, and a plethora of other options are all accessible to business owners and employees regardless of their eligibility status. 

Our 34 years in the industry have given us an intimate understanding of our clients' wants and needs. Our one-of-a-kind custom solutions are adaptable and reasonably priced, making them ideal for every client. Any size employer group can take use of our extensive range of services. We offer a wide variety of solutions, including administrative technology, among others. Guidance, strategic items, plan designs, financing arrangements, unique value-added services, marketing materials for staff, and a host of other supplementary services are also available from our organization. 

Our nine permanent members and sixteen brokers bring a diverse range of expertise from public and private sector management. Their management of our HR services and wholesale partners has been exceptional. 

Morin Associates is the go-to company for employee benefits in Connecticut. Here you will find all that you could ever want. 

For help choosing a health or life insurance policy, contact Morin Associates LLC. In Connecticut, we have authority over the towns of Uncasville, Mystic, Plainfield, East Lyme, and Montville. There is a great variety of towns within our service area. None of them include North Stonington at all. We cover the Griswold, Norwich, Waterford, and Mystic towns in our service area. Investment Center Inc. of Bedminster, New Jersey, will sell off all of the assets included in this deal. The firm's registration with FINRA and SIPC allows clients in any of the fifty states to access its services. 

To get a better idea of a financial advisor's background, use FINRA BrokerCheck. With the SEC's approval, IC advise Services Inc. can provide investment advisory services.