Our Specialities

Voluntary Benefits

Companies with 3 employees and up

Our Speciality is in Managing Enrollments of Multi-State Cases

Personal Lines

Life Insurance
Disability Insurance
Long Term Care Insurance

Andrew Silbert

Benefits Specialist
Years Experience

Andrew has been in the insurance business for over 30 years. In that time he served ten years as a full time agent with Guardian Life Insurance before turning independent for over 20 years ago. His extensive experience allows him to provide quality benefits coverage quickly and easily. Andrew specializes in Voluntary Benefits but is also extensively experienced in personal insurance such as Life, Disability, and Long Term Care. 


    Voluntary Benefits

  • What are the benefits to employers?
    With our plans, employers can provide a more robust workplace benefits package to employees without affecting their bottom line. Our Voluntary Plan services include valuable support for employers, such as work-site marketing and consulting services, as well as advanced technology tools.

    We can provide Core enrollments and enroll all the employers' benefits without using paper at no cost to the employer.

  • What are the benefits to employees?
    With Our Voluntary Plans, individuals can purchase added protection for themselves and their families -- protection that includes life, disability, dental, cancer, critical illness, hospital confinement, and vision insurance.
  • Life Insurance

  • How Much Life Insurance do I Need?
    Determining how much life insurance you need requires an examination of your current and future financial obligations, along with the resources your family could tap. Your future obligations are a combination of what it would cost to help your surviving family members meet immediate and ongoing needs like funeral costs, taxes, food, clothing, utilities, mortgage payments, and your future obligations like college and retirement funding.

    The resources that your surviving family members could draw on to meet those obligations include your spouse’s or partner’s income, savings and investments, other income producing assets, and any life insurance you might already own.
    The difference between the two—your financial obligations minus the resources your family has to meet those obligations—is the approximate amount of additional life insurance you need. If this sounds confusing, you’re not alone. That’s why most people turn to a qualified insurance professional when they want to figure out how much insurance they need.
  • What Type of Policy Should I Buy?
    It’s impossible to say, because the kind of coverage that’s right for you depends on your circumstances and financial goals. But, generally speaking, term offers the greatest coverage for the lowest initial premium and is a great solution for people with temporary needs or a limited budget. Permanent insurance may make more sense if you anticipate a need for lifelong protection, or if the option of accumulating tax-deferred cash values is attractive to you. Also, it doesn’t have to be one or the other. Often, a combination of term and permanent insurance is the right answer.
  • Disability Insurance

  • Why do employees need disability insurance
    Many employees will tell you that they are living "paycheck to paycheck". The question is "how will you pay your bills if you don't get a paycheck?" This is the problem that Disability Insurance addresses.
  • Long Term Care Insurance

  • Why Do I Need Long Term Care Insurance?
    The statistics are that 70% of people in the USA will need some form of long term care. The avaerage cost of a Nursing home in the North East is around $10,000 per month. Long Term Care Insurance will provide an affordable alternative to having to go through a lifetime worth of assets.