REAVES INSURANCE CONSULTANTS, INC.
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Products


Reaves Insurance Consultants offers small to mid-sized companies a full complement of Executive and Employee Benefit plan solutions.

We have the experience, capabilities and strategic alliances to deliver a wide range of customized Executive and Employee Benefit programs, using the nation's leading providers.   Each plan is tailored to individual client needs and budget considerations.




 

Group Products Include:

Group MedicalReaves Insurance Consultants can provide you with a health insurance quote for all Major Insurance Companies in Texas, to find the best rates and coverage for your company.  Plans include Indemnity, Managed Indemnity, Partially Self-Funded, Administrative Services Only (ASO), Preferred Provider Organizations (PPO), Health Maintenance Organization (HMO), and Point-of-Service (POS) programs.

International Insurance Products and Expat BenefitsOur international services are diverse and range from basic travel insurance to all of the benefits and services required for long-term expatriate assignments. We can meet the needs of expatriates working in other countries, as well as foreign workers temporarily employed in Canada or the United States.

 

Group DentalReaves Insurance Consultants offers excellent dental plans through a variety of carriers. Clients can select from over 2000 dentist in Houston and surrounding areas.  Some of the plans include Managed Dental, Dental Maintenance Organizations (DHMO), Preferred Provider Dental Organizations (PPDO), and Traditional Indemnity.


Group Life / AD&DReaves Insurance Consultants offers an exceptional variety of term and permanent life insurance products which are complimented with an accidental death and dismemberment rider.

 

Group VisionUsing two of the largest vision networks in the country

 

Group Disability IncomeShort Term Disability  and Long Term Disability Plans.  Yearly, your chance of being disabled is far greater than the chance of death.  Reaves Insurance Consultants will help you with information, quotes, and plans that suit your situation

 

Section 125 (Cafeteria Plans)Section 125 plans can offer tax deductions for both the employer and employee.  The tax benefits for the employer equal 7.65% of the taxable wage base set aside by employees under Section 125 plans. This typically pays for administration expenses. Tax benefits for employees include their 7.65% FICA expense as well as State and Federal income tax. In total this may be over 40% of every dollar set aside for reimbursement.

 

401(k), Simple IRA, SEP IRAReaves Insurance Consultants offers relations to investment products as well as third party administration of plans – or both services – with options that fit your goals. The key to a successful retirement plan is to get the plan design correct, and then ensure services are user friendly and efficient for both the employee and you the employer. We are among the few companies that offer this depth of service.

 

College EducationReaves Insurance Consultants can provide you with relations to information on Coverdell Education Savings Accounts, custodial accounts (UTMAs and UGMAs), and 529 plans to help you make this important decision.


Group Long Term CareLong-Term Care insurance provides benefits in the event of a long-term illness or injury. Owning a long-term care insurance policy also provides you choices in deciding where or how you receive care. It helps pay for benefits for care that is delivered in your home, in the community, in adult day care centers,** in alternate living facilities** or in nursing facilities.

 

 

Individual Products Include:

 

Individual MedicalReaves Insurance Consultants can provide you with a health insurance quote from Blue Cross Blue Shield, Aetna, Humana, Assurant, Golden Rule, and UniCare.  Plan designs range from PPO (Preferred Provider Organization) to HSA (Health Savings Account)

Individual DentalReaves Insurance Consultants offers excellent dental plans through several carriers.  Some of the plans include Dental Maintenance Organizations (DHMO), Preferred Provider Dental Organizations (PPDO).


Individual Life InsuranceReaves Insurance Consultants offers High quality, competitively priced life insurance products, including permanent, term, combination and variable policies.  Life insurance policies are designed with different needs in mind. Whether you are looking for temporary protection, estate planning, cash accumulation, or the ability to purchase a variable life insurance policy, we have a policy that will provide security and peace of mind.

 

Disability IncomeLong Term Disability (LTD) Plans.  Yearly, your chance of being disabled is far greater than the chance of death.  Reaves Insurance Consultants will help you with information, quotes, and plans that suit your situation.

 

 

Voluntary Products:

 

The Employee Benefit Dilemma:
Providing benefits for your employees while keeping cost under control.

 

The Answer:
Voluntary Benefits for Your Employees

Our programs are designed to complement existing employer provided benefits. With flexible plan designs, employees will have an opportunity to provide practical coverage for their own and their family’s additional insurance needs at an affordable cost.

Providing employee benefits, even at a modest level, can comprise a significant portion of a company’s total compensation budget. Even if budgets were unlimited, the traditional one-size-fits-all approach of delivering group insurance benefits is not cost effective. Voluntary employee benefits allow your employees to customize benefits to fit their individual and family needs without burdening your business with additional costs.

 

Why it works for the Employer

  • We present to your employees the most comprehensive and competitive products.
  • We pride ourselves on offering exceptional customer service.
  • We provide guidance to your employees to answer any questions they may have about our programs.
  • Offering a more attractive benefit package may increase employee retention.

 

Why it works for the Employee

  • Employees can choose the types and levels of benefits that they need and can afford
  • Spouse and dependent children can participate
  • Portability of benefits
  • Payroll deduction of premiums allows easy budgeting.

 

 

 

 

 

**Certain state insurance departments require variations in terminology to some policy features. The new terms for the features do not change how the features operate. Such changes may be "Adult Day Health Care Centers" or "Adult Day Care Facilities" replacing "Adult Day Care Centers"; "Assisted Living Facilities" replacing "Alternate Living Facilities." In California, "Residential Facilities" replaces "Alternate Living Facilities." In Oregon, Alternative Living Facilities may also include Adult Foster Care Homes.