Contact Info
308 Church Street
P.O. Box 3070
LaGrange, GA 30241
Phone: 800.523.7135
Fax: 800.523.5364
Bill Houze, President billhouze@houze.org
Employee Benefits
Permanent Life Insurance Plan
Employers like to offer additional coverages that are permanent to the employee. As employers, keeping and retaining good employees is a key factor; however, also allowing employees the ability to purchase a life product where rates are designed to stay level during the life of the product should be important as well. Most financial planners agree that a well rounded portfolio includes at least some permanent life insurance.
Universal Life polices are designed for premiums and death benefit to remain level. They do not change as employees get older. When they retire or terminate employment, they simply pay the same premium rate direct to the carrier rather than on payroll deductions from the employer.
Term Life insurance polices are designed for premiums to remain the same during the "term" of the policy. Term insurance is contracted in 5-10 or 15 year increments. The rates will increase on renewal, based on the age at which the policy is renewed.
Carriers that provide Universal, Term and other plans that Houze & Associates, Inc. will work with to provide a comprehensive package for your employees are listed here: