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Disability Insurance

If an insured recipient is unable to work due to a disability, insurers provide periodic benefits payments. These payments typically cover 45-65% of gross income, although exact rates may vary.

Long Term Care Insurance

An insurance product typically provided outside of medicare. Long term care is designed to cover the cost of health needs for those suffering from chronic diseases and/or disabilities.

Employee Benefits

Employee benefits refer to non-cash compensation predetermined in an employment package. Federal mandated benefits include: Cobra, Disability, Family and Medical leave Act, Minimum Wage, Overtime, Unemployment and Worker’s Comp.


An employer-sponsored retirement savings plan. Through 401K plans specific percentages of each employee’s paychecks are invested (pre-tax) into a retirement savings fund.

Deferred Compensation

Deferred compensations are pre-determined agreements in which both employer and employee agree to pay out income earned at a later date in the form of pensions, retirement plans, and stock options.

Payroll Services

Third-party payroll services manage the calculation, scheduling, and deployment of all employee paychecks.

Investor Insurance

Investor insurance is a type of insurance package typically purchased by landlords and property owners to protect individuals and organizations against property loss and liability suits.

Life Settlement purchasing & brokering

Life settlements enable third parties to purchase life insurance policies for more than their cash values.

Wealth management services

(available to all employees under every client contract)

Wealth management services offer a combination of financial and investment advice, including retirement and legal estate planning and tax services.

Key Person Insurance

This type of insurance package enables a company to purchase life insurance for a specific or key employee. If that employee passes away during his or her tenure, the company receives the payoff.

Errors & Omissions Insurance

This type of insurance package protects employers and their employees from negligent claims made by clients.

If you’re interested in learning more about our insurance offerings, contact the ExCapsa team today.

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