Our Services

The Zidd Agency has been offering group benefit insurance and financial services to businesses and individuals for 35 years. We have developed a reputation as one of the most effective insurance agencies at managing your benefit dollars. Please don't hesitate to CONTACT US for more information or assistance with one of our many services.

We offer a full range of employee and individual benefit consulting services including:

Offering your employees the best benefits available at the most affordable cost is a primary concern. We help you maximize the value of the employee benefits you offer by finding the right trade off between coverage and cost reduction. We work with you to:

• Conduct an employee benefits plan review
  
• Evaluate your current managed care/health care network
  
• Evaluate how your group plan is currently administered
  
• Evaluate and select appropriate group benefits providers/carriers for service and cost
  
• Prepare a final recommendation
  

The success of our insurance agency is based on providing you access to the best and most cost effective group benefit insurance plans possible. We work with the strongest group health and life insurance carriers in the market, both on a national and regional level. Because of the understanding we have of these carriers' plan designs and services, we are able to offer your business the most comprehensive coverage at the best rates. We offer a full range of benefit services including:

• Health Insurance
• Health Saving Accounts (HSA)
• Health Reimbursement Arrangements (HRAs) and Claims Administration
  
• Flexible Spending Accounts (FSA) & Dependent Care Accounts (DC-FSA)
• Dental and Vision Plans
  
• Life Insurance
  
• Long and Short Term Disability Insurance
  
• Retirement Plans
  
• Voluntary Benefits (Critical Illness, Accident, Cancer, etc.)
  
• Section 125 Cafeteria Plans
  
• Worker's Compensation TPA & MCO
• Employee Wellness Programs

To find out if you are offering your employees the best coverage at a cost you can afford, please contact us and we will review your business's group benefits insurance needs.

Our goal is to provide companies with retirement plans that are well designed which limits our client's fiduciary liability, communicated, and administered in a cost efficient manner. The Zidd Agency will evaluate your current plan or recommend a new plan that fits your needs. This evaluation includes the correct mix of passive and actively managed low cost and top tier investment performance fund options. We review plan design, administrative functions, along with the costs related to these functions. We make sure your company is offering a valuable and competitive benefit to your employees. We provide a variety of investor services, including:

• Defined Contribution Plans, including 401(k), 403(b), 457 and Profit Sharing Plans
  
• SIMPLE, SEP
• Retirement Plan Consultation
  
• Plan Design and Administration Consulting
  
• Group and Individual Participant Enrollment Meetings
  
• Ongoing Investment Education
  
• Asset Allocation Guidance, Individual Consultations
  
• Access to Broad Range of Top Performing Retirement Vendors
  
• Lifestyle or Asset Allocation Options
  
• Age Weighted or New Comparability Plans
  

Even though your employer has most likely provided you with a group benefits plan that covers some of your basic insurance needs, life's circumstances often necessitates additional coverage. We will work with you related to your particular needs and find a solution with the highest rated insurance carriers.Individual insurance coverage we provide include:

• Health
  
• Short Term Health (1 month to 1 year policies)
  
• Medicare Supplement (MediGap) and Medicare Drug Plans (PDP/Rx Coverage)
  
• Medicare Advantage 
• Dental/Vision
  
• Disability (Income Replacement)
  
• Long Term Care
  
• Life (Term, Permanent, Variable*)

Through many years of practical experience and expertise, we are able to offer comprehensive financial and insurance planning.  We are unbiased, objective and believe investing in low cost top tier performing investment vehicles over time is the road to financial success. Through our partnership with EmVision Capital Advisors we provide a variety of investor services. We are able to help you plan for your financial goals through the following disciplines:

• IRA rollovers from existing qualified plans (In some cases we can accomplish rollovers at no cost NAV investing)
• Retirement Planning
• Wealth Management
  • Annuities (tax deferred investing with fixed, variable, Indexed annuities)
  • Traditional, ROTH, Rollover IRA's
• Insurance Planning 
  • Life insurance (Variable, Universal, Whole, and Term)
• Estate Planning
• College Funding (529 Plans)