Employee Benefits & Life Insurance · Pollack Services Group

Benefits and life live on different spreadsheets. They shouldn't.

Employers think about benefits as an HR cost line. Individuals think about life insurance as an estate-planning item. But both are about the same thing: making sure the people you're responsible for are taken care of when something happens.

We work both sides of that conversation. For employers, we run the group benefits program, placement, renewal, open enrollment, and the day-to-day questions that come with it. For individuals, often the same people, sometimes years later, we structure the personal group life and disability coverage that complements the group benefits and the rest of the financial picture.

Independent, no carrier quotas, no one-size-fits-all. The right product placed for the right reason, then maintained as life and the business evolve.

What we offer

For employers,
and for the people behind them.

Group programs and individual coverage from the same firm, so the planning conversations actually connect.

Group · 01

Group Medical

Major medical for groups of every size, small group, mid-market, and ASO arrangements. We shop the market every renewal, not just the incumbent.

Group · 02

Group Dental & Vision

Ancillary benefits that round out a competitive package. Voluntary or employer-paid, network-based or PPO.

Group · 03

Group Life & AD&D

Basic and voluntary group life, typically with guaranteed issue at enrollment, so employees can secure coverage without medical underwriting.

Group · 04

Short- & Long-Term Disability

Income replacement when employees can't work, the benefit people rarely think about until they need it. Structured with proper offsets and definitions.

Group · 05

Voluntary Benefits

Accident, critical illness, hospital indemnity, legal, pet, the menu of optional coverages that employees can elect at their own cost. Useful additions when the core program is solid.

Group · 06

Open Enrollment Support

Communications, employee meetings (virtual or on-site), benefits guides, and direct support during the enrollment window. Not an afterthought.

In practice

What it looks like
when someone runs the market.

A small-business owner had been on the same group medical plan for years through her existing broker. At renewal, the carrier proposed a 22% premium increase and was discontinuing the plan design she'd been on.

We ran the entire small-group market, five carriers, multiple plan designs, and presented three viable alternatives. One of them matched roughly 90% of her existing benefits at an 8% premium increase versus the 22% on the table. The employee contribution structure stayed where it was. Implementation took three weeks.

Resolution $48,000 in annual savings versus the proposed renewal. No disruption to her staff. The right answer was on the market the whole time, it just needed someone to go find it.

Common questions

What employers and individuals
tend to ask first.

We're a small business, can we still get strong group benefits?

Yes. The small-group medical market in most states is larger and more competitive than it appears, especially since the ACA. We routinely place quality plans for groups as small as two employees. The harder part is usually getting the right structure for the contribution strategy and ancillary benefits, which is exactly the part a real broker can help with.

What's the difference between term and ?

Term covers you for a specific period, typically 10, 20, or 30 years, at the lowest cost. It's pure income replacement and the right tool for most individuals during the earning and parenting years. Permanent life (whole life, universal life, IUL) lasts your whole life and builds cash value over time. It's the right tool when the need extends beyond a term, estate liquidity, business continuity, or guaranteed lifetime coverage. Often the right answer is a structured combination of both.

How does open enrollment actually work with you?

We start six to eight weeks before the enrollment window. We prepare the renewal analysis with HR, decide on any plan changes, build the communications and benefits guides, run the employee meetings (virtual or in-person), and stay available throughout the enrollment period to answer employee questions directly. The goal is for HR to be supported, not buried.

When should I think about insurance?

Practically, in your mid-50s. The cost goes up sharply with age, and health-related underwriting issues become more common after 60. Today's LTC market is different from the troubled stand-alone products of the 1990s, hybrid life/LTC products have largely solved the "use it or lose it" problem and are usually the right structure.

Can you work with our financial advisor?

Absolutely, and we prefer it. The insurance conversation should fit inside the broader financial plan, not run in parallel to it. We routinely coordinate with advisors, attorneys, and CPAs on case design, particularly for group life and disability work.

What if our company is growing fast?

Growth brings benefits transitions, from a PEO to a stand-alone group, from small-group to mid-market, from a single state to multi-state. Each transition has implications for plan design, cost, and the employee experience. We help map the path in advance so the transitions don't catch you by surprise.

Benefits and protection planning for the people behind the business.

Benefits and life live on different spreadsheets. They shouldn't.

For employers,
and for the people behind them.

Group Medical

Group Dental & Vision

Group Life & AD&D

Short- & Long-Term Disability

Voluntary Benefits

Open Enrollment Support

For employers and for individuals,
the relationship is the product.

What it looks like
when someone runs the market.

What employers and individuals
tend to ask first.

Let's talk about
your benefits or life plan.

Private Client Risk Advisory

Business Risk & Continuity

Benefits and life live on different spreadsheets. They shouldn't.

For employers,and for the people behind them.

Group Medical

Group Dental & Vision

Group Life & AD&D

Short- & Long-Term Disability

Voluntary Benefits

Open Enrollment Support

For employers and for individuals,the relationship is the product.

What it looks likewhen someone runs the market.

What employers and individualstend to ask first.

Let's talk aboutyour benefits or life plan.

Private Client Risk Advisory

Business Risk & Continuity

For employers,
and for the people behind them.

For employers and for individuals,
the relationship is the product.

What it looks like
when someone runs the market.

What employers and individuals
tend to ask first.

Let's talk about
your benefits or life plan.