HEALTH / LIFE
HEALTH / LIFE
Your health and future deserve thoughtful protection. We provide expertly tailored solutions in Employee Benefits and Life Insurance, ensuring the financial security and peace of mind you need to thrive. Our approach prioritizes your unique needs, offering flexibility and comprehensive coverage to safeguard what matters most.
From designing competitive benefits packages to attract and retain top talent to crafting life insurance strategies that protect your loved ones, we guide you through every step. With a focus on personalization and precision, we help you build a foundation of security for today and tomorrow.
HEALTH
Finding the Right Benefit Solutions at an Affordable Price Shouldn’t Be Overwhelming
Trust, expertise, and care form the foundation of everything we do.
Tailored, competitive benefit packages designed to fit your needs.
Dedicated support for your company and employees at every step.
Building lasting partnerships through commitment and reliability.
The Swarts Manning Difference
At Swarts Manning, we understand the importance of being a dependable resource for every client, offering consistent support and expertise. Our team is dedicated to investing the time, energy, and care needed to ensure your confidence in every decision. We equip your employees with the resources and knowledge to make informed choices that benefit both themselves and their families.
With licensing and contracts across all major local and national carriers, we provide access to a wide range of options, ensuring your company receives solutions tailored to its unique needs.
Our Group Benefits Include
Health Insurance
Dental Insurance
Vision Insurance
Basic/Voluntary life
Short Term Disability
Long Term Disability
Supplemental Coverages
Prescription Discount Card
Telemedicine Plans
401(k)
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LIFE
You’ve always protected and provided for your family—why should that change if the unexpected happens?
Life insurance is more than a policy; it’s a promise to safeguard your loved ones’ future. Our experienced life and health advisors will guide you in finding the right coverage, tailored to your unique needs and goals, so you can rest easy knowing your family will always be cared for.
TYPES OF LIFE INSURANCE
TERM LIFE
Term life is the least expensive option and can be an affordable solution for your family. Terms of 1 – 30 years are available. Term policies typically pay only if death occurs during policy term, however there are options that have living benefits as well. Premium is typically level throughout the term of the policy.
WHOLE LIFE
Whole life policy lasts until the policyholder dies. Premium and payout is fixed the entire life of the policy. Premium is higher compared to term life because it has a guaranteed payout. Cash can be borrowed and withdrawn from policy. There are various versions of a whole life policy such as Universal Life, and Variable Universal Life. Talk to one of our life insurance experts to learn more.
KEY-PERSON LIFE
Key-Person life is typically a term policy that business owners can purchase for key people in the business. The benefits are paid to the company so that the business can survive the loss of its key person.
GROUP TERM LIFE
Group term life can be purchased as an employee benefit paid for by the employer or as a voluntary option in which the employee pays the premium. This in an affordable way to offer guaranteed issue coverage to your employees who may not otherwise be eligible to purchase life insurance.
TERM LIFE
Term life is the least expensive option and can be an affordable solution for your family. Terms of 1 – 30 years are available. Term policies typically pay only if death occurs during policy term, however there are options that have living benefits as well. Premium is typically level throughout the term of the policy.
WHOLE LIFE
Whole life policy lasts until the policyholder dies. Premium and payout is fixed the entire life of the policy. Premium is higher compared to term life because it has a guaranteed payout. Cash can be borrowed and withdrawn from policy. There are various versions of a whole life policy such as Universal Life, and Variable Universal Life. Talk to one of our life insurance experts to learn more.
KEY-PERSON LIFE
Key-Person life is typically a term policy that business owners can purchase for key people in the business. The benefits are paid to the company so that the business can survive the loss of its key person.
GROUP TERM LIFE
Group term life can be purchased as an employee benefit paid for by the employer or as a voluntary option in which the employee pays the premium. This in an affordable way to offer guaranteed issue coverage to your employees who may not otherwise be eligible to purchase life insurance.
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