Article | Understanding Life Insurance Archives - The Policy Shop

Starting late on retirement planning? Don’t worry! Discover actionable strategies and tips to catch up on retirement savings and secure your financial future, even if you’re starting later in life.

08 May Starting late on retirement planning? Don’t worry!

Posted at 19:31h in Article | Understanding Life Insurance

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Your retirement plan needs to work as hard as you do

08 May Your retirement plan needs to work as hard as you do.

Posted at 19:12h in Article | Understanding Life Insurance

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Want growth without market losses? Discover how IUL can build wealth and protect your family at the same time.

08 May Want growth without market losses? Discover how IUL can build wealth

Posted at 15:47h in Article | Understanding Life Insurance

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Solving the HR Budget Puzzle with Section 125 Plans | Stretch your HR budget with a compliant plan that delivers real financial impact.

07 May Solving the HR Budget Puzzle with Section 125 Plans

Posted at 19:33h in Article | Wellness Plan - Healthcare - Employee benefit

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Life insurance can help while you’re still alive. Learn how living benefits work—and why they matter.

07 May Life insurance can help while you’re still alive.

Posted at 17:25h in Article | Understanding Life Insurance

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The Champ Plan helps employers reduce payroll taxes. Find out how it works and how much you could save. (Section 125 Plan)

07 May The Champ Plan helps employers reduce payroll taxes.

Posted at 17:17h in Article | Wellness Plan - Healthcare - Employee benefit

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The Champ Plan Shows Your Team You Truly Care | This powerful benefit helps you support your employees without stretching your budget.

06 May The Champ Plan Shows Your Team You Truly Care

Posted at 20:08h in Article | Wellness Plan - Healthcare - Employee benefit

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Why Parents Are Choosing Life Insurance Over 529 Plans | A new trend shows parents choosing life insurance over 529s. Here’s why.

06 May Why Parents Are Choosing Life Insurance Over 529 Plans

Posted at 18:34h in Article | Understanding Life Insurance

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Cut payroll taxes and boost take-home pay with Section 125 plans | Cafeteria plans —here’s how small businesses benefit.

06 May Cut payroll taxes and boost take-home pay with Section 125

Posted at 14:33h in Article | Wellness Plan - Healthcare - Employee benefit

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Can Life Insurance Help You Build Wealth? Absolutely | Discover how modern life insurance can do more than protect—it can grow your wealth.

05 May Can Life Insurance Help You Build Wealth? Absolutely.

Posted at 20:09h in Article | Understanding Life Insurance

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How Smart Employers Use Section 125 Plans to Prioritize Employee Well-Being | Easy, affordable way to care for employee wellness.

05 May How Smart Employers Use Section 125 Plans to Prioritize Employee Well-Being

Posted at 18:51h in Article | Wellness Plan - Healthcare - Employee benefit

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How to Be the Employer Everyone Wants to Work For—Without Blowing Your Budget | Here’s one simple strategy that makes you stand out.

05 May How to Be the Employer Everyone Wants to Work For—Without Blowing Your Budget

Posted at 17:37h in Article | Wellness Plan - Healthcare - Employee benefit

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What Is a Section 125 Cafeteria Plan? (And Why Smart Employers Use One) | The plan saves employers & employees money through pre-tax benefits.

05 May What Is a Section 125 Cafeteria Plan? (And Why Smart Employers Use One)

Posted at 14:46h in Article | Wellness Plan - Healthcare - Employee benefit

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The New Rules of Employee Benefits | Wellness, flexibility, and financial relief now define modern employee benefits—here’s what to offer.

04 May The New Rules of Employee Benefits – The Policy Shop

Posted at 00:40h in Article | Wellness Plan - Healthcare - Employee benefit

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Life Insurance with Health Conditions: What You Need to Know | Here’s how to improve your chances and get covered.

02 May Life Insurance with Health Conditions: What You Need to Know

Posted at 23:22h in Article | Understanding Life Insurance

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How to Calculate the Right Amount of Life Insurance | Use this simple guide to calculate your ideal coverage.

02 May How to Calculate the Right Amount of Life Insurance

Posted at 20:51h in Article | Understanding Life Insurance

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Living Benefits of Life Insurance: Use It While You're Alive | Use it for retirement, emergencies, and medical costs while you're still alive.

01 May Living Benefits of Life Insurance: Use It While You’re Alive

Posted at 19:27h in Article | Understanding Life Insurance

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Section 125 Plans: A Hidden Gem in Your HR Toolkit | More value without more budget—here’s why HR leaders are turning to Section 125 plans.

01 May Section 125 Plans: A Hidden Gem in Your HR Toolkit

Posted at 17:34h in Article | Wellness Plan - Healthcare - Employee benefit

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Indexed Universal Life Insurance Explained Simply | An IUL is flexible, powerful, and tax-smart. Learn what it is, and how it works.

01 May Indexed Universal Life Insurance Explained Simply

Posted at 17:24h in Article | Understanding Life Insurance

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Real Employee Wellness Starts With Everyday Support | Wellness isn’t just yoga and fruit—it’s about relieving stress, costs, and burdens.

30 Apr Real Employee Wellness Starts With Everyday Support

Posted at 20:31h in Article | Wellness Plan - Healthcare - Employee benefit

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Why HR Leaders Are Choosing Section 125 Plans to Simplify Benefits Management | Save time, reduce admin load, and stay compliant.

30 Apr Why HR Leaders Are Choosing Section 125 Plans to Simplify Benefits Management

Posted at 20:20h in Article | Wellness Plan - Healthcare - Employee benefit

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Why Employee Wellness Is No Longer Optional for Growing Businesses | Companies that prioritize employee wellness outperform competitors.

30 Apr Why Employee Wellness Is No Longer Optional for Growing Businesses

Posted at 19:16h in Article | Wellness Plan - Healthcare - Employee benefit

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How Better Benefits Improve Morale, Loyalty | Great benefits create happy, loyal employees—and it doesn’t have to cost a fortune.

30 Apr How Better Benefits Improve Morale, Loyalty, and Retention

Posted at 19:02h in Article | Wellness Plan - Healthcare - Employee benefit

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Why Indexed Universal Life Insurance Beats a 529 Plan for College Savings | discover why smart parents are using life insurance to plan ahead.

30 Apr Why Indexed Universal Life Insurance Beats a 529 Plan for College Savings

Posted at 17:41h in Article | Understanding Life Insurance

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Life insurance offers powerful tax advantages. Learn how to grow wealth tax-deferred and leave a tax-free legacy.

30 Apr Life insurance offers powerful tax advantages.

Posted at 17:29h in Article | Understanding Life Insurance

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Understanding Cash Value in Life Insurance | Each time you pay a premium a portion is added to your cash value, where it grows tax-deferred.

30 Apr Understanding Cash Value in Life Insurance | Hidden Power

Posted at 16:32h in Article | Understanding Life Insurance

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Millennials & Life Insurance: What’s Driving the Trend? Find out why it’s a smart move—and how it builds wealth and peace of mind.

30 Apr Millennials & Life Insurance: What’s Driving the Trend?

Posted at 16:15h in Article | Understanding Life Insurance

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Understanding Section 125 Plans: Learn how a Section 125 plan can save money for both employees and employers.

30 Apr Understanding Section 125 Plans: Save Employees Money & Boost Business

Posted at 16:05h in Article | Wellness Plan - Healthcare - Employee benefit

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The Case for Term Life Insurance | Still wondering if term life is worth it? Here's why it’s a smart and affordable safety net.

30 Apr The Case for Term Life Insurance

Posted at 15:54h in Article | Understanding Life Insurance

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Life Insurance in Your 50s: Too Late or Still Smart? Here’s why getting covered after 50 still makes sense.

30 Apr Life Insurance in Your 50s: Too Late or Still Smart?

Posted at 15:48h in Article | Understanding Life Insurance

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Can You Own More Than One Life Insurance Policy? Yes—you can hold multiple life insurance policies. Learn why it might be a smart move.

30 Apr Can You Own More Than One Life Insurance Policy?

Posted at 15:42h in Article | Understanding Life Insurance

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Outliving Your Life Insurance: What You Need to Know | Here’s what to do next and how to avoid gaps in coverage.

30 Apr Outliving Your Life Insurance: What You Need to Know

Posted at 15:30h in Article | Understanding Life Insurance

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How to Choose the Right Life Insurance | Term, whole, or IUL? Make the right decision for your family or finances.

30 Apr Term vs. Whole vs. IUL: How to Choose the Right Life Insurance

Posted at 14:36h in Article | Understanding Life Insurance

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TEFRA, DEFRA & TAMRA: The 3 Rules Every Life Insurance Buyer Should Know | tax-free growth, tax-free access, and tax-free transfer.

29 Apr TEFRA, DEFRA & TAMRA: The 3 Rules Every Life Insurance Buyer Should Know

Posted at 14:36h in Article | Understanding Life Insurance

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Why Millennials Should Consider Whole Life Insurance as Part of Their Financial Plan | guaranteed cash value that grows over time.

28 Apr Millennials Should Consider Whole Life Insurance

Posted at 18:47h in Article | Understanding Life Insurance

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Whole Life Insurance for Grandparents: A Timeless Way to Leave a Legacy | It offers lifelong coverage and guarantees a death benefit.

28 Apr Whole Life Insurance for Grandparents: A Timeless Way to Leave a Legacy

Posted at 16:06h in Article | Understanding Life Insurance

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IUL for Parents of Children with Special Needs | reliable, adaptable financial foundation for special needs families.

28 Apr IUL for Parents of Children with Special Needs: A Flexible and Secure Option

Posted at 15:49h in Article | Understanding Life Insurance

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How IUL Can Help Parents of Pre-Teens Save for College and Life’s Big Moments | It offers not only lifelong financial protection!

28 Apr How IUL Can Help Parents of Pre-Teens Save for College and Life’s Big Moments

Posted at 15:36h in Article | Understanding Life Insurance

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How IUL Can Benefit Parents of Teenagers | An IUL’s cash value growth can serve as a resource for your teen’s most important life events.

28 Apr How IUL Can Benefit Parents of Teenagers

Posted at 15:17h in Article | Understanding Life Insurance

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How IUL Can Help Parents of High School Seniors Prepare for College | An Indexed Universal Life Insurance (IUL) policy can help!

28 Apr How IUL Can Help Parents of High School Seniors Prepare for College

Posted at 15:11h in Article | Understanding Life Insurance

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How IUL Can Serve as a Financial Safety Net for Single Parents. Being a single parent means juggling countless responsibilities...

28 Apr How IUL Can Serve as a Financial Safety Net for Single Parents

Posted at 14:55h in Article | Understanding Life Insurance

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Why New Parents Should Consider an IUL for Their Baby’s Future | it's never too early to start planning for your child's future.

28 Apr Why New Parents Should Consider an IUL for Their Baby’s Future

Posted at 14:32h in Article | Understanding Life Insurance

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How IUL Can Benefit Grandparents Looking to Leave a Legacy: a powerful way to support them long after you’re gone.

28 Apr How IUL Can Benefit Grandparents Looking to Leave a Legacy

Posted at 14:22h in Article | Understanding Life Insurance

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What Happens to Life Insurance When You Retire? Learn how to keep, convert, or replace your coverage for smart protection in your golden years.

25 Apr What Happens to Life Insurance When You Retire?

Posted at 14:38h in Article | Understanding Life Insurance

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The Role of Annuities in a Diversified Retirement Portfolio | Annuities serve as a foundational piece of a balanced portfolio rather than a standalone solution.

25 Apr The Role of Annuities in a Diversified Retirement Portfolio

Posted at 14:31h in Article | Understanding Life Insurance

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Indexed Universal Life Insurance Stuart | IULs are becoming the go-to choice for residents seeking wealth growth, tax advantages.

24 Apr Why Stuart Residents Are Choosing Indexed Universal Life

Posted at 20:29h in Article | Understanding Life Insurance

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Indexed Universal Life Insurance Wellington | IULs are becoming the go-to choice for residents seeking wealth growth, tax advantages.

24 Apr Why Wellington Residents Are Choosing Indexed Universal Life

Posted at 20:25h in Article | Understanding Life Insurance

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Indexed Universal Life Insurance Naples | IULs are becoming the go-to choice for residents seeking wealth growth, tax advantages.

24 Apr Why Naples Residents Choosing Indexed Universal Life

Posted at 20:21h in Article | Understanding Life Insurance

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Indexed Universal Life Insurance Lake Worth | IULs are becoming the go-to choice for residents seeking wealth growth, tax advantages.

24 Apr Why Lake Worth Residents Choosing Indexed Universal Life

Posted at 20:14h in Article | Understanding Life Insurance

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Why Palm Beach, Florida Residents Are Choosing Indexed Universal Life Insurance

24 Apr Why Palm Beach, Florida Residents Are Choosing Indexed Universal Life Insurance

Posted at 20:00h in Article | Understanding Life Insurance

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Indexed Universal Life Insurance Orlando | IULs are becoming the go-to choice for residents seeking wealth growth, tax advantages.

24 Apr Why More Orlando Professionals Are Using Indexed Universal Life Insurance

Posted at 19:51h in Article | Understanding Life Insurance

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Indexed Universal Life Insurance Boynton Beach | IULs are becoming the go-to choice for residents seeking wealth growth, tax advantages.

24 Apr Why Boynton Beach Residents Are Choosing Indexed Universal Life Insurance

Posted at 19:24h in Article | Understanding Life Insurance

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Indexed Universal Life Insurance Boca Raton | IULs are becoming the go-to choice for residents seeking wealth growth, tax advantages.

24 Apr Why Boca Raton Residents Are Turning to Indexed Universal Life Insurance

Posted at 19:19h in Article | Understanding Life Insurance

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In Fort Lauderdale, IULs are becoming the go-to choice for residents seeking wealth growth, tax advantages, and comprehensive life insurance protection, especially for those planning for retirement or securing their family’s future.

24 Apr Why Fort Lauderdale Residents Are Choosing Indexed Universal Life Insurance

Posted at 19:08h in Article | Understanding Life Insurance

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Miami residents are embracing Indexed Universal Life Insurance (IUL) as a way to balance protection, growth, and tax advantages, helping them achieve long-term financial goals while safeguarding their families' futures.

24 Apr Why Miami Residents Are Choosing Indexed Universal Life Insurance

Posted at 19:02h in Article | Understanding Life Insurance

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In Vero Beach, Indexed Universal Life Insurance (IUL) is becoming the go-to choice for residents seeking financial growth, tax advantages, and comprehensive protection, allowing them to secure their future and that of their families in this serene coastal town.

24 Apr Why Vero Beach, Florida Residents Are Choosing Indexed Universal Life Insurance

Posted at 18:57h in Article | Understanding Life Insurance

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Delray Beach residents are increasingly choosing Indexed Universal Life Insurance (IUL) for its combination of market-driven growth, tax-deferred accumulation, and flexible premiums, making it the ideal solution for families and retirees in this vibrant coastal city.

24 Apr Why Delray Beach Residents Are Turning to Indexed Universal Life Insurance

Posted at 18:36h in Article | Understanding Life Insurance

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Annuity for Snowbirds: Are you one of the millions of snowbirds who divide your time between a northern home and a sunny retreat in Florida?

24 Apr Annuity for Snowbirds: Living in Two States, Paying Less in Taxes

Posted at 17:58h in Article | Understanding Life Insurance

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Annuities in Vero Beach, Florida offer retirees tax-free income, guaranteed growth, and protection from market risks, making them an excellent choice for securing retirement.

24 Apr Annuities in Vero Beach Florida Are a Smart Choice for Retirees

Posted at 17:28h in Article | Understanding Life Insurance

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In Sarasota, Florida, annuities are helping retirees secure steady, tax-deferred income while taking advantage of the state’s asset protection laws.

24 Apr Annuities in Sarasota Florida Are a Smart Choice for Retirees

Posted at 17:24h in Article | Understanding Life Insurance

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Orlando’s retirees are finding tax-efficient and income-protecting solutions in annuities, making it an essential part of their retirement strategy.

24 Apr Annuities in Orlando Are a Smart Choice for Retirees

Posted at 17:20h in Article | Understanding Life Insurance

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Annuities in Naples, Florida provide retirees with tax-free income, guaranteed growth, and asset protection under Florida's favorable tax laws.

24 Apr Annuities in Naples, Florida Are a Smart Choice for Retirees

Posted at 17:15h in Article | Understanding Life Insurance

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In Tampa, Florida, annuities provide retirees with tax-free income, guaranteed returns, and protection from market risks, ensuring a secure financial future.

24 Apr Annuities in Tampa, Florida: A Smart Choice for Retirees

Posted at 17:11h in Article | Understanding Life Insurance

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Stuart, Florida, offers retirees tax-free income, guaranteed growth, and asset protection through annuities, providing a stable financial future in retirement.

24 Apr annuities in Stuart Florida: a Smart Choice for Retirees

Posted at 17:07h in Article | Understanding Life Insurance

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Retirees in Wellington, Florida are securing guaranteed income and asset protection with annuities, ensuring their retirement income remains stable and tax-efficient.

24 Apr annuities Wellington Florida: a Smart Choice for Retirees

Posted at 17:03h in Article | Understanding Life Insurance

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Annuities in Miami offer retirees tax-free income, guaranteed returns, and stability, making them a valuable component of retirement planning in Florida.

24 Apr Why More Miami Retirees Are Locking In Annuities

Posted at 16:17h in Article | Understanding Life Insurance

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Fort Lauderdale retirees are choosing annuities to provide steady, tax-deferred income and protection from market volatility, ensuring their retirement savings last.

24 Apr Why Fort Lauderdale Retirees Are Choosing Annuities

Posted at 16:13h in Article | Understanding Life Insurance

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Palm Beach retirees are benefiting from annuities that offer guaranteed income, tax advantages, and asset protection, making them an ideal choice for secure retirement planning.

24 Apr Palm Beach Retirees Are Turning to Annuities—Here’s Why

Posted at 15:01h in Article | Understanding Life Insurance

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Lake Worth, Florida, offers retirees the opportunity to secure guaranteed income and tax-free annuity benefits, giving them peace of mind in retirement.

24 Apr Why Annuities in Lake Worth Are Catching the Eye of Smart Retirees

Posted at 14:55h in Article | Understanding Life Insurance

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Boynton Beach retirees are using annuities to lock in guaranteed income, tax advantages, and protection from market fluctuations, creating a secure retirement income plan.

24 Apr Why Annuities in Boynton Beach Are Gaining So Much Attention

Posted at 14:48h in Article | Understanding Life Insurance

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Boca Raton retirees are leveraging annuities to enjoy guaranteed income, tax-free benefits, and protection from creditors, securing their financial future in retirement.

24 Apr Why Annuities Are a Smart Choice for Retirees in Boca Raton, Florida

Posted at 14:44h in Article | Understanding Life Insurance

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Retirees in Delray Beach are taking advantage of annuities to secure tax-free income, guaranteed returns, and asset protection, ensuring a financially stable retirement.

24 Apr Why Annuities Are a Smart Choice for Retirees in Delray Beach, Florida

Posted at 14:39h in Article | Understanding Life Insurance

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How to Leverage the Flexibility of an IUL to Adapt to Changing Life Circumstances

23 Apr How to Leverage the Flexibility of an IUL to Adapt to Changing Life Circumstances

Posted at 20:12h in Article | Understanding Life Insurance

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Annuity Trends to Watch in 2025: What Retirees Should Know Now

23 Apr Annuity Trends to Watch in 2025: What Retirees Should Know Now

Posted at 20:06h in Article | Understanding Life Insurance

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Top States for Retirees Using Annuities | Some states are creating the perfect storm of annuity-friendly perks, while others are adding friction with high taxes and volatile costs of living.

23 Apr Top States for Retirees Using Annuities

Posted at 19:53h in Article | Understanding Life Insurance

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If you’re nearing retirement and looking for a place to stretch your money—Florida annuities are stealing the spotlight.

23 Apr Why Florida Annuities Are Booming in 2025

Posted at 19:37h in Article | Understanding Life Insurance

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Best States to Retire Tax-Free with Annuities

23 Apr Best States to Retire Tax-Free with Annuities

Posted at 19:32h in Article | Understanding Life Insurance

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Florida Fixed Indexed Annuities: With interest rates shifting, market volatility rising, and retirees looking for safe growth.

23 Apr Florida Fixed Indexed Annuities

Posted at 19:26h in Article | Understanding Life Insurance

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2025 FIA Rate Outlook: Florida vs. the National Average | Florida has historically offered competitive options, but is it still the best place for annuity buyers in 2025?

23 Apr 2025 FIA Rate Outlook: Florida vs. the National Average

Posted at 19:14h in Article | Understanding Life Insurance

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Top 5 Florida Cities for Retirees Using Annuities: Some cities stand out for offering competitive annuity rates, tax advantages, and a retirement-friendly atmosphere.

23 Apr Top 5 Florida Cities for Retirees Using Annuities

Posted at 19:10h in Article | Understanding Life Insurance

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Moving to Florida for Retirement? Read This Annuity Checklist First: Florida is one of the most popular states for retirees, and it’s easy to see why.

23 Apr Moving to Florida for Retirement? Read This Annuity Checklist First

Posted at 19:06h in Article | Understanding Life Insurance

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5 Retirement Risks That Annuities Help You Avoid: Retirement should be a time of relaxation, not financial stress.

23 Apr 5 Retirement Risks That Annuities Help You Avoid

Posted at 19:00h in Article | Understanding Life Insurance

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Indexed Universal Life Insurance Trends to Watch: explore the emerging trends in the IUL market and provide insights that could shape the future of this financial tool.

23 Apr Indexed Universal Life Insurance Trends to Watch.

Posted at 18:45h in Article | Understanding Life Insurance

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Learn how collateral works in premium financing for life insurance. Understand the role of your life insurance policy, cash value, and death benefit in securing the loan.

23 Apr How Does Collateral Work in Premium Financing?

Posted at 16:08h in Article | Understanding Life Insurance

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Learn about Paid-Up Additions (PUAs) in whole life insurance. Understand how they work, their benefits, and how they can increase your cash value and death benefit.

23 Apr What Are Paid-Up Additions (PUAs)?

Posted at 16:00h in Article | Understanding Life Insurance

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Learn all about dividends in whole life insurance—how they work, their benefits, and how you can use them to enhance your policy’s value.

23 Apr What Are Dividends in Whole Life Insurance?

Posted at 14:54h in Article | Understanding Life Insurance

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Key Person Life Insurance to Protect Your Business | Learn why key person life insurance is essential for protecting your company’s future and continuity.

22 Apr Why You Need Key Person Life Insurance to Protect Your Business

Posted at 20:35h in Article | Understanding Life Insurance

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What are Surrender Charges in Annuities? Surrender charges are fees that the insurance company may impose if you withdraw a portion or the full amount of your annuity before the end of the contract’s surrender period.

22 Apr What are Surrender Charges in Annuities?

Posted at 20:19h in Article | Understanding Life Insurance

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What is Infinite Banking with Whole Life? It allows you to use the cash value as a personal bank to grow wealth and access funds.

22 Apr What is Infinite Banking with Whole Life?

Posted at 18:44h in Article | Understanding Life Insurance

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Borrow from Your Whole Life Policy: The loan doesn’t require a credit check, and you don’t have to provide a specific reason for borrowing.

22 Apr How to Borrow from Your Whole Life Policy

Posted at 18:38h in Article | Understanding Life Insurance

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What Happens If You Withdraw from an IUL? How it affects cash value, death benefit, and the tax consequences.

22 Apr What Happens If You Withdraw from an IUL?

Posted at 18:32h in Article | Understanding Life Insurance

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Explore what a floor is in Indexed Universal Life (IUL) insurance & how it guarantees the cash value won’t lose money in market downturns.

22 Apr Explore what a floor is in Indexed Universal Life

Posted at 18:19h in Article | Understanding Life Insurance

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What is a Cap Rate in an IUL? How does it affect the policy’s cash value growth and the limits it places on the interest you can earn?

22 Apr Understanding the Cap Rate in Indexed Universal Life

Posted at 18:12h in Article | Understanding Life Insurance

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Learn about the participation rate in Indexed Universal Life (IUL) insurance and how it impacts your policy’s growth. Discover how a higher participation rate means more potential for earning interest.

22 Apr Learn about the participation rate in Indexed Universal Life.

Posted at 18:06h in Article | Understanding Life Insurance

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Discover how Indexed Universal Life (IUL) insurance earns interest by tracking market indices like the S&P 500. Learn about participation rates, cap rates, and how IULs provide growth potential with downside protection.

22 Apr How Indexed Universal Life (IUL) insurance earns interest?

Posted at 17:58h in Article | Understanding Life Insurance

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Discover what overfunding an IUL policy means, how it can help you build wealth & grow cash value faster, and the tax advantages it offers.

22 Apr Discover what overfunding an IUL policy means.

Posted at 17:49h in Article | Understanding Life Insurance

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Premium Financing vs Paying Cash: Explore the pros and cons for high-net-worth clients. Learn which option aligns with your financial goals.

22 Apr Premium Financing vs Paying Cash…for HNW Clients?

Posted at 17:43h in Article | Understanding Life Insurance

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Learn what a Health Savings Account (HSA) is and how it can help individuals save for medical expenses with tax-free contributions, growth, and withdrawals. Understand its key benefits and eligibility requirements.

22 Apr Learn what a Health Savings Account (HSA) is.

Posted at 17:32h in Article | Wellness Plan - Healthcare - Employee benefit

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Learn what a Flexible Spending Account (FSA) is and how it can help employees save on taxes while paying for medical and dependent care expenses. Understand the key benefits and limitations.

22 Apr Learn what a Flexible Spending Account (FSA) is.

Posted at 17:26h in Article | Wellness Plan - Healthcare - Employee benefit

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Learn what a Premium Only Plan (POP) is under Section 125 and how it can help employees save on taxes. Explore the tax advantages for both employees and employers.

22 Apr Learn what a Premium Only Plan (POP) is under Section 125

Posted at 17:21h in Article | Wellness Plan - Healthcare - Employee benefit

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What is the Cost of Delaying an IUL for Your Child? By starting an IUL early, parents can take advantage of several benefits, including tax-deferred growth, flexibility, and a tax-free death benefit for their child’s future.

22 Apr What is the Cost of Delaying an IUL for Your Child?

Posted at 17:17h in Article | Understanding Life Insurance

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IUL to Create a Tax-Free Inheritance for Your Children. By strategically utilizing an IUL, you can help ensure that your children receive a legacy with minimal tax implications, giving them a strong financial foundation for the future.

22 Apr IUL to Create a Tax-Free Inheritance for Your Children

Posted at 17:13h in Article | Understanding Life Insurance

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A Lifetime Income Rider (LIR) is an optional add-on to an annuity that guarantees you a steady stream of income for life, no matter how long you live.

22 Apr What is a Lifetime Income Rider (Annuity)?

Posted at 16:27h in Article | Understanding Life Insurance

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The 10-Pay Whole Life Strategy is a type of whole life insurance policy designed to be fully paid up after 10 years of premium payments.

22 Apr 10-Pay Whole Life Strategy. What is it?

Posted at 16:14h in Article | Understanding Life Insurance

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A Modified Endowment Contract (MEC) is a type of life insurance policy that has been funded in a way that violates IRS guidelines on the amount of premium payments relative to the policy’s death benefit.

22 Apr Modified Endowment Contract (MEC)

Posted at 16:07h in Article | Understanding Life Insurance

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Why Business Owners Need Key Person Life Insurance. Key Person Life Insurance is a life insurance policy a business takes out on its most crucial employee—usually the owner, a partner, or a high-level executive.

22 Apr Why Business Owners Need Key Person Life Insurance

Posted at 16:00h in Article | Understanding Life Insurance

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Avoid These 5 Annuity Mistakes Retirees Regret Most. It all comes down to understanding what you’re buying—and what to avoid.

22 Apr Avoid These 5 Annuity Mistakes Retirees Regret Most

Posted at 14:48h in Article | Understanding Life Insurance

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hidden living benefits of life insurance

22 Apr The Hidden Living Benefits of Life Insurance You Shouldn’t Ignore

Posted at 14:37h in Article | Understanding Life Insurance

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What is Mortgage Life Insurance? Mortgage life insurance is designed to pay off your mortgage balance in the event of your death.

22 Apr What is Mortgage Life Insurance?

Posted at 14:30h in Article | Understanding Life Insurance

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What is Accidental Death and Dismemberment (AD&D) Insurance? A policy that pays benefits in the event of an accident that leads to death or dismemberment.

22 Apr What is Accidental Death and Dismemberment (AD&D) Insurance?

Posted at 14:24h in Article | Understanding Life Insurance

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What is Simplified Issue Life Insurance? It involves a simplified underwriting process, which may include a health questionnaire, but doesn't require a physical exam.

22 Apr What is Simplified Issue Life Insurance?

Posted at 14:17h in Article | Understanding Life Insurance

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What is Group Life Insurance

22 Apr What is Group Life Insurance?

Posted at 14:11h in Article | Understanding Life Insurance

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Final Expense Life Insurance

22 Apr What is Final Expense Life Insurance?

Posted at 14:06h in Article | Understanding Life Insurance

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What is an Immediate Annuity? A type of annuity where you make a lump-sum payment to an insurance company in exchange for a guaranteed series of income payments

21 Apr What is an Immediate Annuity? Why It’s a Smart Financial Move

Posted at 20:28h in Article | Understanding Life Insurance

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What is an Indexed Annuity? An indexed annuity is a type of annuity that ties your returns to a stock market index, such as the S&P 500.

21 Apr What is an Indexed Annuity? Why It’s a Smart Financial Move

Posted at 20:24h in Article | Understanding Life Insurance

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What is a Variable Annuity? An annuity where the payments you receive can fluctuate based on the performance of investments.

21 Apr What is a Variable Annuity? Why It’s a Smart Financial Move

Posted at 20:19h in Article | Understanding Life Insurance

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What is a Fixed Annuity? Why It’s a Smart Financial Move | provides guaranteed regular payments for a set period or for the rest of your life

21 Apr What is a Fixed Annuity? Why It’s a Smart Financial Move

Posted at 20:15h in Article | Understanding Life Insurance

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What is Universal Life Insurance? A type of permanent life insurance that offers flexibility in premium payments and death benefits.

21 Apr What is Universal Life Insurance?

Posted at 20:09h in Article | Understanding Life Insurance

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What is Indexed Universal Life Insurance (IUL)? Insurance that allows your cash value to grow based on a stock market index (S&P 500)

21 Apr What is Indexed Universal Life Insurance (IUL)?

Posted at 20:06h in Article | Understanding Life Insurance

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What is Whole Life Insurance? Why It’s a Smart Financial Move| It combines a death benefit with a savings component.

21 Apr What is Whole Life Insurance? Why It’s a Smart Financial Move

Posted at 19:45h in Article | Understanding Life Insurance

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What is Term Life Insurance? Term life insurance is a simple, straightforward life insurance policy that provides coverage for a specific period (or "term")—usually 10, 20, or 30 years. If the insured passes away during that term, their beneficiaries receive a death benefit.

21 Apr What is Term Life Insurance? Why It’s a Smart Financial Move

Posted at 19:37h in Article | Understanding Life Insurance

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Is Term or Whole Life Insurance Better for Young Families? Learn how young parents can protect their kids and save money with the right coverage strategy.

21 Apr Is Term or Whole Life Insurance Better for Young Families?

Posted at 19:27h in Article | Understanding Life Insurance

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TEFRA, DEFRA, and TAMRA: IUL Compliance Made Easy. Learn how these tax rules protect your life insurance from becoming a taxable MEC.

21 Apr TEFRA, DEFRA, and TAMRA: IUL Compliance Made Easy

Posted at 19:20h in Article | Understanding Life Insurance

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What Are Annuities? … Steady Income Solution.

21 Apr What Are Annuities? … Steady Income Solution

Posted at 19:11h in Article | Understanding Life Insurance

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Combat Rising Health Costs with a Modern Benefits Strategy. Here’s how employers are fighting back with The CHAMP Plan.

21 Apr Combat Rising Health Costs with a Modern Benefits Strategy

Posted at 17:13h in Article | Wellness Plan - Healthcare - Employee benefit

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Attract Top Talent with CHAMP Benefits. Use The CHAMP Plan to attract top-tier talent and stand out in today’s competitive hiring landscape.

21 Apr Attract Top Talent with CHAMP Benefits

Posted at 16:50h in Article | Wellness Plan - Healthcare - Employee benefit

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The Secret to Saving More on Taxes: The CHAMP Plan. Say goodbye to unnecessary IRS paycheck withholding and employee payroll deductions.

21 Apr The Secret to Saving More on Taxes: The CHAMP Plan

Posted at 15:10h in Article | Wellness Plan - Healthcare - Employee benefit

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Save Thousands in Payroll Taxes Without Changing a Single Salary

21 Apr Save Thousands in Payroll Taxes Without Changing a Single Salary

Posted at 15:03h in Article | Wellness Plan - Healthcare - Employee benefit

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The CHAMP Plan, Helps Employers Save Money and Give Employees a Raise.

17 Apr The CHAMP Plan, Helps Employers Save Money and Give Employees a Raise

Posted at 17:32h in Article | Wellness Plan - Healthcare - Employee benefit

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Tax-Saving Benefits for Employers and Employees (Section 125 Plans).

14 Apr Tax-Saving for Employers and Employees (Section 125 Plans)

Posted at 19:22h in Article | Wellness Plan - Healthcare - Employee benefit

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Section 125 plan, CHAMP Plan, modern healthcare app, virtual primary care, no deductible health plan, AI health assessment, at-home lab testing, 24/7 mental health care, free prescriptions, proactive wellness plan, digital healthcare tools, preventative health rewards, healthcare for families

14 Apr Discover a Simpler Way to Stay Healthy with the CHAMP Plan

Posted at 18:15h in Article | Wellness Plan - Healthcare - Employee benefit

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Discover the Power of the CHAMP Plan & Section 125 Plans: reduce payroll taxes, boost employee retention, and improve benefits—without increasing your bottom line.

14 Apr Discover the Power of the CHAMP Plan & Section 125 Plans

Posted at 17:39h in Article | Wellness Plan - Healthcare - Employee benefit

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The Most Overlooked Tax Strategy for Small Business Owners? Section 125 Plan

14 Apr The Most Overlooked Tax Strategy for Small Business Owners? Section 125 Plan

Posted at 16:09h in Article | Wellness Plan - Healthcare - Employee benefit

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Busting common myths and objections about Section 125 plans

14 Apr Busting common myths and objections about Section 125 plans.

Posted at 15:28h in Article | Wellness Plan - Healthcare - Employee benefit

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The Champ Plan: Payroll 101 - Understanding Your Benefits.

14 Apr The Champ Plan: Payroll 101 – Understanding Your Benefits

Posted at 15:10h in Article | Wellness Plan - Healthcare - Employee benefit

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Introduction to the Champ Plan | section 125 Plan

14 Apr Introduction to the Champ Plan (section 125 Plan)

Posted at 15:06h in Article | Wellness Plan - Healthcare - Employee benefit

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How to Use Your CHAMP Plan Account

14 Apr How to Use Your CHAMP Plan Account: Unlock Your Benefits

Posted at 15:00h in Article | Wellness Plan - Healthcare - Employee benefit

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Learn how The CHAMP Plan empowers employers to offer quality healthcare benefits—without breaking the budget.

12 Apr The CHAMP Plan empowers employers to offer quality healthcare benefits

Posted at 15:07h in Article | Wellness Plan - Healthcare - Employee benefit

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The CHAMP Plan Is Like a Raise—Without Costing the Company a Dime.

12 Apr The CHAMP Plan Is Like a Raise—Without Costing the Company a Dime

Posted at 13:24h in Article | Wellness Plan - Healthcare - Employee benefit

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The Tax Advantages of Premium Financing Life Insurance.

12 Apr The Tax Advantages of Premium Financing Life Insurance

Posted at 13:13h in Article | Understanding Life Insurance

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How Premium Financing Life Insurance Helps Preserve Wealth.

11 Apr How Premium Financing Life Insurance Helps Preserve Wealth

Posted at 22:37h in Article | Understanding Life Insurance

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Real Employers Share How the CHAMP Plan Changed Their Business.

10 Apr Real Employers Share How the CHAMP Plan Changed Their Business

Posted at 20:12h in Article | Wellness Plan - Healthcare - Employee benefit

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Employers Win Too: The Hidden Payroll Tax Savings of The CHAMP Plan.

10 Apr Employers Win Too: The Hidden Payroll Tax Savings of The CHAMP Plan

Posted at 19:43h in Article | Wellness Plan - Healthcare - Employee benefit

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The CHAMP Plan: a holistic wellness strategy.

10 Apr The CHAMP Plan: a holistic wellness strategy

Posted at 19:25h in Article | Wellness Plan - Healthcare - Employee benefit

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The CHAMP Plan: Breaking down the tax deduction benefits

10 Apr The CHAMP Plan: Breaking down the tax deduction benefits

Posted at 19:01h in Article | Wellness Plan - Healthcare - Employee benefit

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Better Benefits. Bigger Paychecks. Happier Teams.

10 Apr Better Benefits. Bigger Paychecks. Happier Teams.

Posted at 18:51h in Article | Wellness Plan - Healthcare - Employee benefit

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Turn Your Benefits Package Into a Superpower

10 Apr Turn Your Benefits Package Into a Superpower with the CHAMP Plan

Posted at 18:41h in Article | Wellness Plan - Healthcare - Employee benefit

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Human resources, CHAMP Plan for HR, employee benefits guide, HR strategy

10 Apr What HR Managers Need to Know About the CHAMP Plan

Posted at 18:37h in Article | Wellness Plan - Healthcare - Employee benefit

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How to Explain the CHAMP Plan to Employees Without Putting Them to Sleep.

10 Apr How to Explain the CHAMP Plan to Employees Without Putting Them to Sleep

Posted at 18:33h in Article | Wellness Plan - Healthcare - Employee benefit

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Start Saving on Healthcare Today

10 Apr How T. Martinez and His Family Saved Over $4,500 in Healthcare Costs

Posted at 17:21h in Article | Wellness Plan - Healthcare - Employee benefit

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