
Juls Risk Management llc.
d/b/a Southwestern Illinois Agency
463 West MacArthur Dr. Suite C
Cottage Hills, IL 62018
Juls
Our paramount goal is to provide the best products, services, and value for our clients.
We closely scrutinize the coverages, ratings, customer service, and industry ratings of our affiliate providers. They are selected solely on the basis of our stringent requirements. We encourage you to review their web sites to learn more about these companies and the insurance products they provide.
Our confidence in these companies is very high.
We hope you will share our enthusiasm for these providers. We offer a full-suite of benefits products, as you would expect of any agency. The difference in working with us, is the way we determine which products and solutions are best for your company and then how we work together to implement the programs.
-
Group Health Insurance
-
Life Insurance
-
Accidental Death and Dismemberment
-
Dental Insurance
-
Disability Insurance
-
Vision Plans
-
Long Term Care
-
Retirement/401k Plans
-
Voluntary Worksite Payroll Deduction Plans
-
Wellness Programs
-
Employee Handbook Development
-
HIPAA Compliance
-
COBRA Administration
-
Customized Executive Plans
-
Employee Assistance Programs
-
Executive Reimbursement Plans
-
Qualified High-Deductible Health Plans
-
Health Savings Accounts
-
Health Reimbursement Arrangements
Worker satisfaction drives voluntary benefits offerings...
Employers are much more focused on worker needs than cost cutting when it comes to offering voluntary benefits.
According to a Prudential research brief released Monday, 75 percent of employers say their top reason for offering voluntary benefits is to expand the benefits options available to their employees, with 42 percent offering voluntary benefits to fulfill an employee need, and 30 percent offering them at their employees’ request.
“Voluntary benefits have great value for both employers and employees. Unlike traditional health insurance paid for entirely or in part by employers, voluntary benefits typically are a cost-effective option for employers to provide,” said Jim Gemus, senior vice president of Prudential Group Insurance. “For employees, the benefits offer a convenient and affordable way to purchase life, disability, long-term care, dental and vision insurance, while offsetting the income-related risks of a disability, long-term illness or the death of the family member.”
Funding Alternatives
We explore a variety of funding mechanisms for you, including:
- Fully-Insured
- Minimum Premium
- Self-Insured
- Employer Provided, Contributory and Voluntary Plans
