I advise business owners and individuals on lower options for health, life, disability, hospitalization, critical illness/cancer, fixed annuities, accident, and dental insurance. I can leverage the cost by shopping the market place for human resource managers, business owners, CEOs, CFOs, Human Resource Directors and individuals. These help with cost savings strategies related to protecting their assets and income. One example is disability insurance for individuals that cannot work and want monthly income. For employers, it lowers their Worker's Comp. Insurance. For employees, it gives them the certainty of additional monthly income while away from work, this does not affect the bottom line for employers. In fact, it helps lower the Worker's Compensation Insurance. Ask me how?