Employee Benefits

Any broker can secure quotes. At Howe Insurance Group we have a determined focus to help our customers and their employees become better healthcare consumers with cost effective solutions.

Here is some of what we offer.

Group Health

Consumer Driven Health Plans with Health Savings Accounts (H.S.A), Health Reimbursement Accounts (H.R.A) and Flexible Spending Accounts (F.S.A). These are powerful cost containment and benefit satisfaction tools. We are at your side to explain and execute.

Fully Insured and Self Funded financial analysis and recommendations. We help you manage risk for a better bottom line.

Plan design and contribution strategies. With more than 50 years of collective employee benefits knowledge we know how to get things done.

A diligent professional staff highly skilled in resolving complex claim and billing issues assuring that you and your employees are receiving the best service from any insurance company.

Group Dental

Dental benefits are an increasingly important source of employee satisfaction. We will help you design and manage a plan that meets budget but allows the greatest flexibility in dental treatment. We find ways to make Dental plans affordable in cost but rich in benefit.

Group Life & Disability

Many plans overlook a critical employee concern. What happens to my family, my plans for their future and their lifestyle if I die or am sick or injured and can’t work? Group Life and Disability benefits address those concerns and need not be budget breakers. Our expertise in finding the right coverage will put the employees’ minds at ease and provide a comfortable solution for the CFO.

Supplemental & Voluntary Benefits

The cost of providing employer sponsored and funded benefits continues to rise. At the same time, employees are looking for help in meeting their personal financial security needs and goals. We design plans that allow employees real choices in their coverage and full value for their contributions in Voluntary Dental, Life, Disability, Vision Care and Critical Illness plans.


Employees are deeply concerned about security in their retirement and the safety of their investments in meeting that goal. We have the expertise to help employers put the right options in front of their employees with on-going communication keep them informed.

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