NEW! Voluntary Health Ins. For Employees** SAVE / No Empl. sponsored $$

EMPLOYERS! AFFORDABLE HEALTH INS. FOR EMPLOYEES..YOU DON'T PAY OR SPONSOR**** REALLY!! READ ON.....

So many small business employers are searching for ways to control their health insurance costs, yet still offer benefits to their employees to keep them around. This is probably you, right?

We all recognize that our employees need benefits; especially healthcare.

Introducing a REAL, INNOVATIVE solution! IMPloyee by Assurant Health.

The first of it's kind health insurance for your employees that you do NOT have to sponsor or pay for. That's right...do not have to pay for.

It is not your traditional group health insurance, yet it provides your people with choices of (4) PPO plan options while having the dignity of carrying health insurance.

Highlights:

• Payroll Tax SAVINGS for the employer
• Pre-tax contributions by the employee on a list-bill arrangement.
• Employee Choice
• Take your recruiting and retention to another level! By offering health benefits***
• Eliminate dreaded turnover.
• NO Cobra
• Paperless processes***
• EASY to manage

Call today for more details and a complimentary consultation. Don't pass up this opportunity to be on the cutting edge of innovative health insurance for your part-time employees.

qUALITY Affordable Disability for ANY size company!

Finally! A Disability, Accident, and Life insurance program made EASY!

* AFFORDABLE * FLEXIBLE * CUSTOMIZABLE * PORTABLE * NO PAPERWORK *

ANY SIZE COMPANY * ANY OCCUPATION *

A great recruiting tool for new employees! NO obligation or time committment to the employer or your HR department. WE DO IT ALL FOR YOU.

MORE payroll tax savings for the employer through our P.O.P. program*** More CASH flow for your business!!

********Call Today for a complimentary consultation**********

YOUR affordable DISABILITY accident, critical illness protection** experts. ANY size company. No obligation to employer! 314.719.7285

DYNAMIC INSURANCE SOLUTIONS

Michael L. Ferraro

Licensed Broker / Specialist

314.719.7285

Industry FIRST 3 year rate guarantee for Small Groups

Finally, Missouri small business owners can actually control their health insurance costs!

With pending government intervention into our healthcare system in the next 18-24 months, insurance companies are gearing up to build their reserves. This, inevitably, means much higher premiums...in the inital years of a government-run system (at the very least*).

Small businesses are already stretched to the limit with rising costs and taxes.

The Solution: The industry's first 2-3 year rate guarantee for small groups!

NEW consumer-driven health insurance plans drive down your costs, but just imagine not having YOUR rates NOT go up for 2-3 YEARS.

This WILL help your company maintain positive cashflow, while avoiding the initial "spike" in rates from government-run health insurance. It is documented and it is inevitable; it will happen. Massachusetts has this system already and rates are sky-high! Companies are leaving as fast as they can.

CALL for a complimentary consultation today. The time is NOW. Don't wait.

Michael L. Ferraro

Licensed Specialist / Broker

St. Louis * Metro East * Chicago

314.719.7285

Dynamic Insurance Solutions

Good morning! All of us seem to be feeling the pinch of this economy in some fashion. Most of people I talk to are fighting each day to make ends meet whether it due to loss of one income stream, increased bills, or not getting a raise this year. Most of us have even tapped into our savings or emergency funds to make the mortgage.

What if the unexpected happened and one of the two household earners was diagnosed with a critical illness or had a heart attack? I know for myself, things would not be pretty. We rely heavily on two incomes!

The SOLUTION: Affordable Lifestyle Protection

This unique family protection provides you with LIVING money*** Upon the diagnosis of cancer, stroke, heart attack, MS, etc. It will pay you a chosen cash LUMP Sum in 14 days; on YOUR doctors' diagnosis.

Not only can you choose up to $300,000 in benefits, but your rate is level for 10 year terms.

I know. You have health insurance through work; but the insurance company does NOT pay your deductible, mortgage, or grocery bill. The insurance company is NOT going to pay for an experimental cancer treatment. And, with our emergency funds dwindling fast or becoming non-existent, we can drown in debt pretty fast!

God forbid something like this happens to any of us. The fact is, this stuff hits families across the country every day. Be prepared. Worry about getting better; not paying bills. Allow your spouse to be with you while recovering; not going to work.

LIVING money! Lifestyle Protection. It's much, much better than any get well card!

Let's make it happen! Call me today for a complimentary consultation. It's as easy as that.

Michael L. Ferraro
Owner
Dynamic Insurance Solutions
St. Louis * Chicago
314.719.7285
twitter.com/insureus

Group Health Insurance Savings!!

Finally! There are real, affordable health insurance solutions for small groups. Gone are the days of traditional copay plan with "micro" deductibles and copays. Small business are latching on quickly to the concept of consumer-driven healthcare. This concept has been used by large corporations for years. But the strategy was always too expensive for the little guy. Well, that has changed! The insurance companies are now absorbing the cost and administration of these consumer-driven plans. The result: affordable health insurance for small and medium sized companies.
Consumer-driven healthcare still gives you the catastrophic protection we all need. However, by taking a little more risk on the small stuff and self-insuring a higher deductible with premium savings, you come out way ahead of the game!
The average savings for these NEW plans is about 20-30% vs. the traditional plan struture. Furthermore, when a healthy, younger group selects a HSA qualified plan, their savings can be in the range of 40%; in most cases.
Let's make it happen! Call us today to arrange an appointment for a complimentary consultation.

Michael Ferraro-Licensed Broker / Agent
314.719.7285