What We Do
We Are Insurance Experts
Benefit Mangement Options
Different clients have different insurance requirements. Our dedicated team of professional consultants are ready to listen and accommodate all of our clients. If you are looking for experts in Benefit Management, you’ve come to the right place. Contact us today to schedule a meeting with one of our top notch agents.
Insurance Claim Filing
Here at Faith Rains Insurance Agency, llc we believe that it is never too late to get help with your insurance issues. When our customers need customized Insurance Claim Filing solutions, we always come through with answers and tailored results. Contact us today to learn more about how we can help you with all of your insurance needs.
Insurance Consulting
No matter the type of policy needed, Faith Rains Insurance Agency, llc specializes in finding or creating the best coverage plans for each and every client’s needs. We work to help clients move on with their lives the best way possible while knowing that they are in good hands. Call us today to schedule an appointment with one of our experts and to start de-stressing your life.
All About What We Do
We Take Care of You
Below are just a few of the points of service from which our business model is based.
And the best part…all of these are FREE to you. There is never a cost for consulting with FRIAgroup.
BUDGET
We will look at your budget per employee and give you a proposal from which several options to choose.
We work with all major carriers to give you the best options available.
CAFETERIA PLAN
We will save you money by implementing a Wingspan Cafeteria Section 125 plan.
This is an IRS pretax savings plan for medical, dental, vision and most supplemental policies.
YOUR PERSONALIZED BENEFIT PACKAGE
Once you have chosen which proposal you would like, if core products are involved,
we will design and produce your benefit package at no charge to you.
CARRIER PAPERWORK
We do all the paperwork, for the carriers, business and employees; saving you time and resources!
ENROLLMENT
We will set with each employee, consult with them, and make sure they do not over-insure or under-insure.
We are not salesmen! We care about you and your employees and consult based on individual need.
PERSONAL ADVOCATE
Each employee will receive our personal cell phone numbers and are available at any time to help them with their
insurance questions. If they have issues at the doctor’s office, or have issues with the carriers, we are there to help!
DEDUCTIONS
We will provide a detailed deduction summary spreadsheet for your payroll company;
at open enrollment and for each new hire.
NEW HIRES / TERMINATIONS
Once you have a new hire or a termination, you let us know and we take it from there!
This saves you human resource time and dollars. We also send a monthly reminder to whomever you choose.
This helps keep you in compliance and helps you save money by making sure your terminations fall off the invoice.
CLAIMS PROCESS
We file all claims for your employees. You and your employees have access to our office 24/7 to help
with filing their claims and answering any questions they have regarding those claims.
INVOICE MANAGEMENT
Once you have a new hire or termination, we will go online and adjust your invoice monthly accordingly.
SUPPLEMENTS
If you are currently looking at doing just supplemental, there are several ways we can do this to your benefit:
Defined contribution per employee
This means have a specific amount of money you want to contribute to each employee. We have several clients that contribute $50 to $150 per employee, per month. Then the employee can pick and choose whatever policies they want.
Specific Policy
We have many clients that choose to pay for specific policies for their employees. For instance, they will pay for the Hospital, Accident and/or the Short-Term disability for each employee.
Access to Supplemental
Another option is to offer Aflac products to the employees through paycheck deduction. This means giving your employees the option to receive supplemental insurance policies (i.e. Accident, Cancer, Short-Term, etc.) at a group price, on a pretax basis.
All of these options SAVE YOU MONEY. Just by implementing Aflac into your business, you save money by having the Section 125 plan in place. Every dollar your employees spend on pretaxable policies, you do not have to pay payroll tax on and neither do your employees. This lowers the amount both of you pay in taxes, thus saving you money, just by offering Aflac products.
AS YOU CAN SEE, WE TRY OUR BEST TO HELP YOU AND YOUR EMPLOYEES IN AS MANY WAYS AS POSSIBLE.
OUR BUSINESS MODEL REVOLVES AROUND EDUCATING OUR COMMUNITY ON
PERSONAL INSURANCE NEEDS AND MOST IMPORTANTLY, HOW TO USE THEIR INSURANCE!