KelloggSmith | Products


Employee Benefit Product Portfolio

  • Group Health (Fully Insured, Minimum Premium, ASO, HDHP, HSA, HRA, Traditional)
  • Dental (DHMO, PPO, Indemnity)
  • Group Term Life and AD&D (Basic and Optional)
  • Short and Long Term Disability
  • Critical Illness / Hospital Plans
  • Worksite Voluntary Benefits (AFLAC, Allstate, Colonial, Unum, Humana)
  • Employee Assistance Program (EAP)
  • Vision
  • Long Term Care
  • Section 125 (Premium Only, Healthcare FSA, Dependent FSA, Limited Purpose FSA)
  • Medical Expense Reimbursement Accounts (MERP)
  • 401(k) Retirement Savings Plans
  • 401(k) Profit Sharing with New Comparability Allocation Funding

Executive and Key Employee Benefits

  • Life Insurance
  • Long Term Disability
  • Long Term Care
  • Key Man Life and Business Overhead Expense
  • Multi Life / List Bill / Simplified Underwriting
  • Buy Sell Funding (Life and Disability)

Individual Products for Financial and Estate Planning

  • Term Life (Guaranteed Level Term to 30 Years, Return of Premium)
  • Permanent Life Insurance (Universal and Whole Life)
  • Joint and Last Survivor Life Insurance
  • Disability Insurance (Non-cancellable and Guaranteed Renewable)
  • Long Term Care (10 Pay, Pay to Age 65)
  • Impaired Risk Underwriting

Long Term Care Products

  • Individual LTC
  • Couples LTC (Spouse Discount Applies)
  • Business and Corporate LTC Plans (Group Carve Out)
  • Single Pay LTC
  • Ten Pay LTC
  • Pay to Age 65 LTC