In 1984, Morin Associates LLC was established as an independent insurance brokerage firm based in Groton, Connecticut  health insurance brokers ct  Offering innovative and cost-effective benefit packages to our clients is our top priority as an employer-sponsored benefits provider. Included in this for employer groups of any size are administrative service placement, consultancy, unique value-added services, and customized programs and products. 

If you want to safeguard your loved ones financially in the case of your untimely death, buying life insurance is a smart move. Without life insurance, your loved ones may have a hard time getting the money they need, or they could not have any money as all. 

Long-Term Health Protection 

The most popular types of life insurance policies are entire life and term policies. Though it won't increase your wealth, term insurance is inexpensive. It provides security for a predetermined period, sometimes called a "term" of years. Life insurance policies that guarantee a return of premiums paid in the future are known as "permanent" or "universal" policies, and one type of this type is whole life. Whole life insurance policies may grow in value over time, but they are more expensive initially. 

Health Insurance 

Both workers and businesses appreciate health insurance as a benefit. This type of insurance comes in three different flavors: preferred provider organizations (PPOs), health maintenance organizations (HMOs), exclusive provider organizations (EPOs), and point-of-service organizations (POSs). 

A variety of health insurance plans are available, each with its own price and set of advantages. After familiarizing yourself with the features provided by each family health insurance plan, you may be able to reduce your alternatives. You should consult a local insurance agent if you require guidance in selecting an appropriate coverage. 

The doctor you want to see must be in the network that your health insurance covers before you may see them. You can view the list of participating doctors and hospitals in the network before you enroll in a health insurance plan. 

Health Care Employee Dental Insurance 

Many health insurance policies provide dental coverage as an optional extra; it can help customers pay less out of pocket for dental work. You should consider the benefits of dental coverage before deciding to add it in your health insurance plan. Getting individual dental coverage is another alternative. 

Employee Perks 

Health Insurance, Staffing Agencies, Non-Bank Financial Institutions, and Private Health Plans 

It can be difficult to provide sufficient insurance coverage in today's world. It is critical that you provide your employees with the best plan possible without causing your company to go bankrupt. Among the many products offered to commercial clients by Morin Associates are health, dental, vision, disability, life, and long-term care insurance. 

We are keeping an eye on health insurance market trends for the benefit of our clients, so we can offer you affordable coverage that meets your needs. With a focus on providing personalized service that takes into account each client's unique needs and budget, our company offers a comprehensive range of health insurance products. 

Insurance for wellness 

For low-income seniors, there is Medicare, the Medical Assistance Program for Older Americans, which has been in existence since the 1960s. Each component of the program is detailed below. 

Subsidized by the federal government, Medicare Part A pays for medical care in hospitals, clinics, hospices, and long-term care institutions. Immunizations, laboratory testing, mental health therapy, outpatient operations, and durable medical equipment are among the many non-hospital medical services that Medicare Part B pays for. • Parts A, B, and (in rare cases) D are partially covered by Medicare Advantage, in addition to a portion of Part C. 

Medigap is a commercial insurance policy that aims to cover the "gaps" that aren't covered by standard Medicare, while Part D of Medicare pays for medications. 

Investment Strategy 

The professionals at Morin Associates will tailor a plan to your unique investing goals in order to maximize your returns. When establishing a strategy for your financial future, several things are taken into account, including how much risk you are willing to take, current market conditions, your short-term and long-term goals, and many more. Get expert advice from our team to lower your investment risk and maximize your return. 

You need a foolproof plan that lets you weigh the pros and cons of potential investments if you wish to reach your financial objectives. We will tailor a financial plan to your needs and goals, taking into account your comfort level with risk. After carefully assessing your individual and business assets, we will provide you with our recommendations. With the assistance of Morin Associates, you can attain financial stability. 

Morin Associates LLC is an insurance and financial firm that is privately owned and based in Groton, Connecticut. Easy and Fast Prepaid Health and Dental Plan Enrollment for Business Owners' Employees 

Best Optional Services 

Medicare Parts A and B Individual Policies, Qualified and Non-Qualified Superior Plans, and Other Income Security Options 

Because we care about our customers and want to meet their needs, we will draw on our 34 years of experience for each one  health insurance agents in ct Adapting to the specific needs of each client, we craft innovative, personalized, and cost-effective solutions. This long list of services includes administrative technology solutions, consultation, marketing and communication materials for employees, strategic products, financing arrangements, plan designs, and unique value-added services for employer groups of all sizes. 

Our nine full-time employees and sixteen brokers have successfully managed our wholesale partners and HR services, drawing on their vast experience in public and private administration. 

As a result of these traits, Morin Associates has become a top provider of employee benefits in Connecticut. Because of our great expertise, we can adapt to your specific needs and meet all of your expectations. 

At Morin Associates LLC, we can help you choose the best health and life insurance policies for you, your loved ones, and your employees or retirees. We serve the following Connecticut towns: Montville, Mystic, Old Lyme, Plainfield, Stonington, Uncasville, and East Lyme. We also serve North Stonington, Norwich, Ledyard, Griswold, Groton, Mystic, New London, and Waterford. Bedminster, New Jersey-based Investment Center Inc. sells all securities. The company is a SIPC and FINRA member and services customers in all 50 states. 

Look up your financial advisor's background with the help of the FINRA BrokerCheck. The Securities and Exchange Commission has granted IC Advisory Services Inc. its stamp of approval as an investment advisor.