Areas of Excellence
Infinite Solutions is a nationally recognized premier insurance organization, dedicated to bringing innovative insurance solutions and the most competitive products to the marketplace. We provide access to 50+ of the top-rated insurance carriers for Life, Annuities, Long-Term Care, Disability, Critical Illness, Medicare Advantage & Supplement, Employee & Voluntary Benefits, and 401(k) Plans. We are committed to a win-win relationship and to be your business champion and valued partner; not merely a provider of insurance products. So please, tap into the power of partnering with an industry-leading, independent insurance organization with a complete platform designed to help you meet your needs and achieve your unique goals.
Life
Understanding the complexity of life insurance can be challenging today with the seemingly endless array of options. We offer customized individual and business solutions, including product selection and case design encompassing both temporary and permanent product portfolios including Whole, Universal (indexed, current assumption, & guaranteed), Survivorship, and Term
Annuities
The Social Security Administration estimates that ten thousand (10,000) Americans turn 65 years old every day. Many of these individuals do not have a Defined-Benefit Pension Plan that they can rely upon in retirement. Certain annuity products provide a guaranteed rate of credited interest (similar to a CD or bond), that guarantees the principal investment while providing the potential for growth and offering a guaranteed stream of income for life; thereby mitigating the risk of outliving your retirement savings. We only work with highly rated, financially sound companies that offer the most competitive annuity products including Fixed, Fixed-Indexed, Multi-Year Guaranteed, Single Premium Immediate, and Deferred.
Long-Term Care
All too often long-term care can mean a catastrophic financial hit to retirement, savings, and other assets such as your home, etc. Furthermore, such an event usually corresponds with a severe emotional strain on loved ones and family members. Medicare will help pay for a short stay in a skilled nursing facility but only for certain expenses and for a limited period of time. Medicaid may pay for long-term care expenses, but only if you have little income or few assets – in fact most people must “spend down” their assets to qualify for Medicaid. Many of the traditional coverage options unfortunately only offer temporary benefit periods with premiums that are not fully guaranteed. We strive to customize unique solutions using asset-based, hybrid life, and standalone products helping you eliminate the guesswork surrounding your options for long-term care coverage.
Disability
The threat of financial hardship due to a disabling injury is real. Worker’s compensation only pays for injuries that happen in the workplace, health insurance covers medical expenses. Disability insurance protects your income – no other insurance product helps to cover day-to-day expenses in this way. While helping to mitigate the financial strain, determining the optimal coverage solution can be difficult given the maze of options – especially when factoring in coverage that is available through employment. We will help you choose the best coverage solution with the right company that fits your needs.
Critical Illness
With health care costs increasing, including higher deductibles and other unexpected out-of-pocket expenses, the need to access cost-effective options that can help fill the gaps is more important than ever. Critical Illness insurance offerings can be a streamlined accompaniment to your existing health and/or disability insurance coverages. These policies can help provide solutions for replacing lost income, keeping up with recurring living expenses, or hiring home health care or childcare services for many covered illnesses such as cancer, heart attack, or stroke, etc.
Medicare Advantage & Supplement
Medicare (Parts A and B) covers approximately 80% of medical expenses for retirees, however several expenses are not covered such as deductibles, coinsurance, and copayments. Medicare supplement plans help cover these gaps in health coverage during retirement. Medicare advantage plans can take the place of original Medicare and often include other benefits such as vision, and dental coverage. We’ve partnered with one of the largest producing organizations that specialize in this field to provide you with the support, technology, and systems all designed to help you grow in this area. Whether you are new to this field and desire training and support, or an established veteran looking to enhance your production, we can help you access the tools you need to foster your success.
Employee & Voluntary Benefits
We strive to connect employers and employees with access to the largest network of doctors, hospitals, and medical specialists in the country; giving them the choice to compare seven different health care options and select the one that best meets their individual needs. We work alongside employers helping them to customize a solution that will provide the most flexibility while helping to control costs. Highly desired discounted benefits such as dental, vision, hearing, chiropractic, acupuncture, and pet insurance can be incorporated to provide an attractive employee benefit package. Options provide support for FSA administration, COBRA billing, payroll, and human resources which further help employers lighten their load when it comes to the administrative side of their business.
401(k) Plans
Successful small business owners know that to succeed they need to control costs while recruiting and retaining experienced employees. Including a 401(k) plan as part of their employee benefits package can serve those goals. Choosing the right retirement provider however is critical to achieving the desired goals of each unique business. Key factors such as fiduciary support, investment options, recordkeeping, and plan administration should be carefully evaluated when considering retirement providers. Our strategic relationships provide you with access to the best comprehensive solutions including the support, service, and competitive features necessary for you to recruit and retain with confidence.