Employee Benefits

Your employees are a valuable part of your business, and we help you deliver to them an excellent benefits package. From medical insurance, to supplemental benefits solutions, to value-added services, we take a strategic approach in crafting an employee benefits plan that meets both your business goals and your employees’ needs.

Some of our employee benefits products include:

  • Health
  • Dental
  • Vision
  • Health Reimbursement Accounts
  • Health Savings Accounts
  • Life / AD&D
  • Short-Term Disability
  • Long-Term Disability
  • Supplemental Products

Individual and Family Health Insurance

Making sense of today’s complex health insurance agency is tough.

Luckily, the experts at Sterling Smith Insurance can help you not only better understand today’s health care offerings, but also get the lowest-cost, highest-benefit plan for you. Sterling Smith specializes in:

  • Health Insurance Exchange sign-up
  • Policy benefits explanations
  • Claims assistance
  • Policy review at renewal

Life & Disability

With today’s uncertainties of the future and the ability to replace income or pay outstanding debts a very real possibility life and disability insurance is a must.

Knowing what coverage’s you need and options newer hybrid plans offer is the most important decision you will make for your future. Let us help you by explaining your Life and Disability insurance options, not someone who doesn’t know the options and is just trying to sell something.

Choosing a life insurance or disability policy can be a difficult decision for families to make, but it’s an essential one for sound financial planning. Is your life insurance coverage adequate to meet your needs?

We can provide you with an life insurance quote that can provide for the financial protection of your family. Depending upon which type of life insurance you choose, you can experience a number of financial benefits.

When a breadwinner dies prematurely, the loss to the family can be tragic in many ways. Many families face financial consequences that can be met with having a comprehensive life insurance or disability policy.

We offer several types of life insurance to meet your needs:

  • Term insurance
  • Permanent life insurance
  • Whole life coverage
  • Universal life coverage
  • Limited-pay
  • Endowments
  • Accidental death