🏥 Group Health Insurance

Keep Your Team Healthy—and Your Business Competitive

Offering group health coverage helps you attract and retain great employees, boost morale, and support productivity. We work with leading carriers to design benefit packages tailored to your business size, industry, and budget.

Plans Available

• Medical (PPO, HMO, and HDHP options)

• Dental and Vision

• Health Savings Accounts (HSAs)

• Flexible Spending Accounts (FSAs)

• Life & Disability add-ons

Why Employers Choose Group Health Through Us:

• Access to top carriers and competitive group rates

• Flexible plan design tailored to your business needs

• Easy enrollment support for employees

• Ongoing service—help when claims, billing, or changes come up

• ACA and compliance guidance

Whether you're a startup with 2 employees or an established company with 200+, we’ll help you deliver quality benefits that fit your people and your margins.

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🔑 Key Person Life Insurance

Business Continuity Starts With a Plan

What happens to your business if a key employee, owner, or executive passes away unexpectedly? Key person life insurance provides critical financial support to help your business stay afloat during a challenging time.

What It Covers:

• Loss of leadership or essential knowledge

• Cost of recruiting and training a replacement

• Business debt obligations

• Loss of investor or lender confidence

• Offset of revenue loss from a key producer

Who Should Be Covered?

• Founders & Co-Founders

• Executives or Partners

• Top-producing salespeople

• Anyone whose absence would significantly disrupt operations

Policy Options:

• Term or permanent life insurance

• Custom coverage amounts based on business needs

• Premiums often tax-deductible as a business expense (check with your CPA)

A properly structured key person policy isn’t just risk management—it’s business continuity, credibility with lenders, and peace of mind for everyone involved.

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✅ Why Work With AEC Insurance?

• Independent broker access to multiple carriers

• Guidance on plan setup, eligibility, and compliance

• Honest breakdowns of coverage and costs

• Ongoing service throughout the policy lifecycle

• Coordination with your accountant or HR team

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📞 Let’s Build Your Protection Plan

Whether you need benefits to keep your team happy—or coverage to keep your company running—we’re ready to help.

Call: 805-328-5001
Email: info@aecriskmanagement.com