Our Services

Koss Benefits handles employee and retirement benefits for scores of businesses, national organizations and trade associations, as well as hundreds of individuals.  We are here to help guide businesses and individuals through the often overwhelming process of creating a financial blueprint and insurance program with the largest selection of employee benefit plans and executive compensation programs found anywhere!

Everyone says that they have the best rates.  Who's right?  The fact is no single company has the best rates for absolutely every situation. 

The best way to determine if you are getting the very best rates for your situation is to shop various insurance companies -- the more the better.  While this can be a very exhausting and frustrating process, Koss Benefits has made this process secure, easy, convenient, fast, accurate and extremely comprehensive.

To obtain any insurance or retirement plan quote for your company, fill out the "Employee Census" on the toolbar at your left.  If you'd like individual quotes for life, health or disability insurance, long-term care or annuities, click on "Request Quote" in the bar above this screen, and we will get back to you as soon as possible.

Shopping is a great idea, but now you can do this through Koss Benefits, which will find you the best quotes with knowledgeable and conscientious service.

Our services include:

  • Group Insurance – Group Health Insurance (HMO, POS, PPO, Indemnity), Dental, Vision, Group Life Insurance, Long Term Disability, Short Term Disability, Premium Only Plans, Section 125 Cafeteria Plans.
  • Employee Benefit Plan Designs - We can help you develop an employee benefit package to assist you in attracting and retaining key employees.  We'll show you what other companies are doing to court top talent in the market place.  Ther are many ways to improve your benefit package without breaking the bank.
  • Retirement Funding– Helping companies sort through the myriad of retirement plan options and develop a plan that is right for its employees and budget is among our most important services.  But, if you are retiring or changing careers, we can help you decide what to do with the funds in your employer-sponsored qualified retirement plan. Ideally, you would like to select an option that meets your retirement needs, minimizes the impact of taxes, and avoids penalties. If you are still in the accumulation phase, we can help you to set up a diversified portfolio to meet your individual needs and achieve your retirement objectives. If you don't know what your needs or objectives are, then we can help crystallize those visions and get you to act upon those desires. Let us help you review your available options and offer financial and insurance products to help achieve your objectives. – We work with business owners to make sure their income needs are covered in case of Disability or Death. Businesses can rely on us for buy-sell funding with life insurance to cover a buy-out due to death or disability and offer innovated solutions to the very real problems of transferring your business to those you designate. Our experience is in preparing you for the efficient succession and continuous successful operation of your company and, or positioning the business for sale to outside parties.
  • Executive Compensation – This is where we help you attract and retain key employees. We show you what employee benefits other companies are offering to attract the best and the brightest. Are they contacting your key people? What can you do to insure they stay with you and not go work for your competitor. Some areas of planning are: Deferred Compensation, Split Dollar Programs, Section 162 Executive Bonus Funding.
  • Business Succession -- If you could no longer run your company, your family members, partners or employees should be in a position to continue the business.  But, would they have the tools to do so? The main issue in business succession planning is to provide needed funds when ownership of a business is transferred.  Life insurance, disability buy-out insurance and disability overhead expense insurance are all key planning tools. These products provide the funds to keep your business running smoothly.  They also provide a fair share of the company's worth to all involved.  In addition, your key employees, partners or even a third party can all be beneficiaries, assuring they will have the funds to continue the business when you retire or die.  You should keep in mind that any financial planning for the business will have a direct effect on your estate.  Careful consideration should be given to the estate and gift taxes associated with transferring your business interests to family members. 
  • Planning Services – We help you look at your financial picture as a whole and help you crystallize where you've been, where you are now and help you get to where you want to be financially. You may choose to work with me on a comprehensive basis or limit the scope and focus of the plan to help you achieve your goals. We will help you explore a variety of avenues, from Estate Planning and Survivorship Protection, to Retirement Planning and Wealth Accumulation.
  • Insurance – Term Life Insurance, Whole Life Insurance, Variable Universal Life Insurance, Survivorship Life Insurance, Disability Insurance, and Long Term Care Insurance.
  • Annuities– These financial vehicles can be used in a multitude of ways to help you meet your retirement needs on a tax-favored basis. Some of the types of annuities are: Variable Annuities, Fixed Annuities, Immediate Annuities.
  • Voluntary Payroll Deduction Plans - Employee participation in the payroll deduction insurance program is completely voluntary. Since this program is not intended to be subject to the Employee Retirement Security Act of 1974 (ERISA), employer cannot contribute to or endorse this program. 
  • Estate Conservation– We evaluate your current financial plan and recommend insurance and financial products to help protect the wealth you have accumulated. The appropriate solutions may minimize potential tax and inheritance problems and help ensure the availability of liquid assets to help pay the taxes and settlement costs your heirs will face.

We offer a variety of services that can help you meet a number of insurance and financial goals. We invite you to read all about the insurance and financial services we can offer and to contact us for an in-depth discussion of your financial goals.