Tracing our roots to 1956, Talcott Group, LLC is a privately held, passionately committed insurance and risk management firm dedicated to the success of our clients, their families and business partners. As actively independent insurance professionals with deep roots in the insurance business, we provide solutions from many of the top tier insurance manufacturers. This enables you to confidently explore today’s most efficient designs and products to address your needs.
Talcott Group, LLC is dedicated to providing our business clients with relevant benefits that help employees achieve financial security. Our flagship conversation discusses an often overlooked or misunderstood, yet very important benefit. We recognize Group Long Term Disability (LTD) was designed to provide basic income protection for all benefit eligible employees. This is an important first layer of protection, however, a one-size-fits-all Group LTD strategy can limit protection and penalize highly compensated key employees due to plan provisions and monthly benefit maximums. The resulting plan causes “reverse discrimination” and severe gaps in coverage should a key employee become unable to work due to illness or injury.
Our firm specializes in assisting our clients with solutions to this problem. We have successfully implemented many supplemental Multi-Life Individual Disability Income programs which provide disability income coverage above and beyond any existing Group LTD plans. Best of all, we can accomplish this with deeply discounted premium deposits, and no medical underwriting so everyone will receive the benefit!
A Multi-Life Disability Income program is more than a new benefit offering. It is a way to stand out in today’s job market enhancing your ability to attract and retain the best talent for your company. Based upon your unique needs, the program will help your company:
- Educate employees so they make informed decisions.
- Provide significant discounts and guaranteed coverage without medical exams.
- Eliminate “Reverse Discrimination” and “The Income Gap”.
- Offer employer-paid or voluntary solutions.
We look forward to helping you protect what matters most…your employees!