Individual Insurance

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Protecting Your Loved Ones

Securing individual insurance is an essential step in protecting your personal well-being and financial stability. Whether you are safeguarding your health, income, or assets, having the right insurance coverage ensures that you are prepared for life’s unexpected events. Health insurance, for example, provides access to medical care and helps manage the high costs associated with healthcare. Similarly, life insurance offers financial security to your loved ones in the event of your untimely passing, ensuring they are taken care of and can maintain their standard of living.

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Tailored Insurance for Life's Uncertainties

In addition to health and life insurance, disability insurance is crucial for protecting your income if you become unable to work due to illness or injury. This type of coverage provides a portion of your income, helping you maintain financial stability during challenging times.

Essential Coverage for Your Family

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Health Coverage

Comprehensive medical coverage to ensure your family has access to necessary healthcare services.
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Life Insurance

Offers financial support to beneficiaries in the event of the policyholder's death, covering living expenses and debts.
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Disability

Replaces a portion of your income if you are unable to work due to illness or injury.

Tailored Protection Plans for Every Stage of Life

Choosing the right individual insurance policies can be overwhelming, but it is vital to tailor coverage to your specific needs and circumstances. Working with experienced insurance agents can simplify this process as they can help you assess your risks and find the most suitable policies. At Burns Employee Benefits Insurance Services, we are committed to providing personalized guidance and comprehensive insurance solutions. Our goal is to ensure that you have the protection you need to navigate life’s uncertainties with confidence and peace of mind.

Build Your Perfect Plan

Voluntary Benefits

At Municipal Benefits, we take a personalized approach to designing voluntary benefits plans for local governments. We understand the importance of aligning these plans with your existing benefits programs while keeping a close eye on your budget. We work closely with you to ensure that the voluntary benefits we offer complement your employees' needs and provide them with comprehensive coverage.

Best Values

Municipal Benefits is committed to delivering the best value to our clients. We regularly review products, carriers, and services to ensure that you get the most cost-effective and valuable options. Our team acts as your dedicated market shopper, carefully selecting offerings that not only save you money but also enhance the overall quality of benefits for your employees.

Recruitment and Retention

Enhancing the recruitment and retention of top-quality personnel is a priority for us. Our comprehensive menu of voluntary benefits and other products gives your organization a competitive edge. When employees see the exceptional value in the benefits you provide, they're more likely to regard your organization as an attractive place to work and build their careers.

Purchasing Power

Leveraging the collective purchasing power of local governments in North Carolina, we ensure that your employees have access to significantly more cost-effective products compared to traditional vendors. This not only reduces expenses for both the employer and employees but also results in a stronger benefits package.

More Lenient Guidelines

We recognize the unique challenges faced by small local governments. With our underwriting guidelines, we offer a more flexible and accommodating approach, making it easier for smaller organizations to provide comprehensive benefits to their employees. This flexibility ensures that every employee, regardless of the size of the government, can access the coverage they need.