Making Insurance
Simple and Accessible
Offering a wide range of insurance options, including work site benefits, personal, and family coverage, we aim to simplify the insurance process for you. Wondering about the significance of life insurance? Securing life insurance and work site benefits safeguards your family from significant financial hardships that may arise in unforeseen circumstances. It ensures financial stability, aids in debt repayment, covers living costs, and addresses medical or end-of-life expenses.
Life Insurance
Have you ever pondered the question, "Do I need Life Insurance?" If you have loved ones who rely on you financially or have debts that could be a financial burden for your family in the event of your passing, then life insurance is likely a wise choice.
Here are some ways life insurance can be beneficial for you and your family:
Income Replacement: Life insurance can assist in replacing your income for your family.
Debt Settlement: Life insurance can aid in paying off debts such as credit cards, car loans, student loans, and mortgages.
Education: Life insurance can contribute to funding your children's college education.
Final Expenses: Life insurance can cover final expenses like funeral and burial costs.
Tax Advantages: Certain types of life insurance provide tax-advantaged benefits, such as cash values that grow on a tax-deferred basis.
Supplemental Insurance
Supplemental insurance serves to cover a range of expenses that may not be included in primary health insurance, such as:
Medical costs: It can assist in covering medical expenses resulting from accidents, illnesses, and injuries.
Household expenses: This type of insurance can also help with household expenses like groceries, utility bills, and childcare.
Transportation: Supplemental insurance can assist with transportation costs associated with illnesses or injuries.
Specific conditions: Supplemental insurance can provide coverage for specific conditions like cancer, stroke, and kidney failure.
Supplemental insurance is an additional coverage that can be obtained alongside a primary health plan.
Experts in Worksite Benefits
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Strategic guidance. Real results. Long-term growth.
Whether you're just starting out or managing a growing enterprise, we offer tailored insights and solutions to help your business thrive in today’s competitive environment.
What We Offer
We provide practical strategies and support in key areas that matter most to your business:
Business Consulting & Strategy
We help you identify opportunities for growth and streamline your operations for better results.
Section 125 Plan Management
These pre-tax benefit plans reduce taxable income for both employers and employees, creating savings and flexibility for your team.
Government Incentive Program Guidance
Our team is well-versed in a variety of state and federal programs — including tax credits, employee retention initiatives, and healthcare subsidies — and we guide you in leveraging them to your advantage.
Workforce Benefit Solutions
We offer supplemental insurance options and employee benefit packages that help protect your team while supporting your company’s long-term financial health.
Why Section 125 Plans Work
Section 125 plans allow employees to pay for eligible benefits with pre-tax dollars. This means:
Reduced payroll tax liabilities for the business
Increased take-home pay for employees
A cost-effective way to enhance your benefits offering
It’s a smart step for businesses looking to balance savings with employee care.
Let’s Build Your Success
At Esmeralda Burch Insurance Services, we believe in turning challenges into opportunities. With deep knowledge, faith-driven values, and a heart for helping others succeed, we stand beside business owners like you — every step of the way., sweet, and to the point.
